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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 | $60,480 | $80,763-25.1% | $102,412-40.9% | $74,459-18.8% |
| Participation rate | 34.3% | 65.7%-31.4pp | 74.5%-40.2pp | 67.2%-33.0pp |
| Annual return | 18.11% | 27.57%-9.5pp | 24.94%-6.8pp | 1369.70%-1351.6pp |
| Employer contribution / active EE | $1,488 | $3,160-52.9% | $3,870-61.5% | $2,626-43.3% |
| Participant deferral / active EE | $3,106 | $3,862-19.6% | $5,060-38.6% | $4,350-28.6% |
| Admin fee / account holder | $2,814 | $2,371+18.6% | $8,388-66.5% | $1,945+44.7% |