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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 | $34,319 | $88,360-61.2% | $145,433-76.4% | $67,986-49.5% |
| Participation rate | 49.0% | 65.5%-16.5pp | 82.1%-33.1pp | 57.2%-8.2pp |
| Annual return | 23.25% | 63.15%-39.9pp | 66.58%-43.3pp | 31.67%-8.4pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,635 | $5,932-55.6% | $7,897-66.6% | $3,358-21.5% |
| Admin fee / account holder | $1,879 | $3,313-43.3% | $13,129-85.7% | $3,203-41.4% |