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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 | $42,865 | $62,166-31.0% | $81,286-47.3% | $74,429-42.4% |
| Participation rate | 44.7% | 64.1%-19.4pp | 69.5%-24.8pp | 67.2%-22.5pp |
| Annual return | 11.99% | 16.50%-4.5pp | 24.80%-12.8pp | 1368.38%-1356.4pp |
| Employer contribution / active EE | $1,092 | $1,881-42.0% | $2,463-55.7% | $2,625-58.4% |
| Participant deferral / active EE | $2,380 | $3,223-26.2% | $3,883-38.7% | $4,348-45.3% |
| Admin fee / account holder | $2,771 | $1,925+44.0% | $5,764-51.9% | $1,944+42.5% |