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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 | $32,988 | $65,092-49.3% | $143,799-77.1% | $66,938-50.7% |
| Participation rate | 61.0% | 65.2%-4.2pp | 80.3%-19.3pp | 69.8%-8.8pp |
| Annual return | -15.49% | -11.14%-4.4pp | -0.04%-15.4pp | 1.58%-17.1pp |
| Employer contribution / active EE | $1,015 | $2,362-57.0% | $4,952-79.5% | $2,545-60.1% |
| Participant deferral / active EE | $2,460 | $2,920-15.7% | $5,638-56.4% | $4,238-41.9% |
| Admin fee / account holder | $1,335 | $502+165.8% | $14,677-90.9% | $594+125.0% |