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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 | $38,211 | $51,166-25.3% | $70,544-45.8% | $71,511-46.6% |
| Participation rate | 49.4% | 59.4%-9.9pp | 68.4%-18.9pp | 67.9%-18.5pp |
| Annual return | 21.37% | 42.71%-21.3pp | 32.79%-11.4pp | 28.86%-7.5pp |
| Employer contribution / active EE | $950 | $1,793-47.0% | $2,976-68.1% | $2,589-63.3% |
| Participant deferral / active EE | $2,710 | $3,031-10.6% | $4,568-40.7% | $4,291-36.8% |
| Admin fee / account holder | $379 | $2,000-81.0% | $6,427-94.1% | $1,588-76.1% |