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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 | $33,789 | $81,334-58.5% | $113,397-70.2% | $64,097-47.3% |
| Participation rate | 51.8% | 65.6%-13.9pp | 76.5%-24.7pp | 55.2%-3.4pp |
| Annual return | 28.57% | 32.50%-3.9pp | 23.20%+5.4pp | 34.64%-6.1pp |
| Employer contribution / active EE | $1,286 | $2,077-38.1% | $2,977-56.8% | $1,891-32.0% |
| Participant deferral / active EE | $2,458 | $3,795-35.2% | $5,076-51.6% | $3,080-20.2% |
| Admin fee / account holder | $2,888 | $4,208-31.4% | $11,957-75.8% | $3,454-16.4% |