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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 | $67,443 | $83,369-19.1% | $105,223-35.9% | $67,986-0.8% |
| Participation rate | 53.3% | 56.3%-3.0pp | 75.0%-21.8pp | 57.2%-3.9pp |
| Annual return | 15.20% | 24.64%-9.4pp | 180.65%-165.4pp | 31.67%-16.5pp |
| Employer contribution / active EE | $1,130 | $2,541-55.5% | $3,689-69.4% | $2,019-44.0% |
| Participant deferral / active EE | $4,331 | $3,295+31.4% | $5,072-14.6% | $3,358+29.0% |
| Admin fee / account holder | $2,079 | $4,073-49.0% | $8,859-76.5% | $3,203-35.1% |