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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 | $39,933 | $89,652-55.5% | $141,197-71.7% | $65,186-38.7% |
| Participation rate | 58.2% | 74.7%-16.5pp | 82.5%-24.3pp | 70.2%-12.0pp |
| Annual return | 24.81% | 32.79%-8.0pp | 71.41%-46.6pp | 29.39%-4.6pp |
| Employer contribution / active EE | $1,237 | $3,065-59.6% | $4,736-73.9% | $2,177-43.2% |
| Participant deferral / active EE | $3,045 | $5,691-46.5% | $6,710-54.6% | $3,514-13.4% |
| Admin fee / account holder | $922 | $569+62.2% | $10,265-91.0% | $847+8.8% |