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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 | $80,332-16.0% | $107,187-37.1% | $64,097+5.2% |
| Participation rate | 53.3% | 54.4%-1.1pp | 75.0%-21.7pp | 55.2%-1.9pp |
| Annual return | 15.20% | 24.26%-9.1pp | 204.55%-189.3pp | 34.64%-19.4pp |
| Employer contribution / active EE | $1,130 | $2,501-54.8% | $3,782-70.1% | $1,891-40.3% |
| Participant deferral / active EE | $4,331 | $3,109+39.3% | $5,096-15.0% | $3,080+40.6% |
| Admin fee / account holder | $2,079 | $4,314-51.8% | $9,162-77.3% | $3,454-39.8% |