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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 | $78,173 | $91,474-14.5% | $135,982-42.5% | $71,529+9.3% |
| Participation rate | 60.6% | 75.7%-15.1pp | 81.9%-21.3pp | 67.9%-7.3pp |
| Annual return | 22.53% | 29.89%-7.4pp | 68.32%-45.8pp | 28.97%-6.4pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $8,068 | $7,095+13.7% | $7,760+4.0% | $4,291+88.0% |
| Admin fee / account holder | $4,810 | $1,267+279.6% | $10,767-55.3% | $1,588+202.8% |