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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 | $16,058 | $47,553-66.2% | $136,867-88.3% | $69,733-77.0% |
| Participation rate | 50.7% | 61.4%-10.7pp | 74.5%-23.9pp | 62.5%-11.8pp |
| Annual return | 16.53% | -91.50%+108.0pp | 42.97%-26.4pp | 15.22%+1.3pp |
| Employer contribution / active EE | $583 | $2,087-72.1% | $3,547-83.6% | $2,250-74.1% |
| Participant deferral / active EE | $1,182 | $2,300-48.6% | $4,924-76.0% | $3,054-61.3% |
| Admin fee / account holder | $3,199 | $3,496-8.5% | $10,340-69.1% | $3,102+3.1% |