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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,117 | $65,246-26.3% | $98,716-51.3% | $67,986-29.2% |
| Participation rate | 43.9% | 51.4%-7.5pp | 69.3%-25.4pp | 57.2%-13.3pp |
| Annual return | 19.31% | 20.58%-1.3pp | 31.81%-12.5pp | 31.67%-12.4pp |
| Employer contribution / active EE | $1,471 | $1,042+41.2% | $2,279-35.4% | $2,019-27.1% |
| Participant deferral / active EE | $2,861 | $2,594+10.3% | $4,048-29.3% | $3,358-14.8% |
| Admin fee / account holder | $1,343 | $4,561-70.6% | $8,703-84.6% | $3,203-58.1% |