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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 | $29,811 | $112,596-73.5% | $152,301-80.4% | $64,728-53.9% |
| Participation rate | 20.4% | 63.6%-43.3pp | 82.4%-62.1pp | 57.9%-37.5pp |
| Annual return | 14.70% | 23.76%-9.1pp | 80.50%-65.8pp | 49.38%-34.7pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,624-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $1,420 | $6,075-76.6% | $8,004-82.3% | $2,729-48.0% |
| Admin fee / account holder | $3,119 | $996+213.1% | $14,398-78.3% | $1,145+172.4% |