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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 | $25,024 | $61,166-59.1% | $186,193-86.6% | $64,728-61.3% |
| Participation rate | 32.0% | 40.4%-8.4pp | 77.1%-45.1pp | 57.9%-25.9pp |
| Annual return | 20.35% | 18.93%+1.4pp | 78.03%-57.7pp | 49.38%-29.0pp |
| Employer contribution / active EE | $255 | $1,526-83.3% | $3,918-93.5% | $2,243-88.6% |
| Participant deferral / active EE | $1,840 | $2,160-14.8% | $6,513-71.8% | $2,729-32.6% |
| Admin fee / account holder | $2,437 | $1,422+71.4% | $11,058-78.0% | $1,145+112.8% |