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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 | $20,459 | $43,496-53.0% | $161,489-87.3% | $64,340-68.2% |
| Participation rate | 48.7% | 53.5%-4.9pp | 78.7%-30.0pp | 55.2%-6.6pp |
| Annual return | 16.60% | 20.76%-4.2pp | 89.72%-73.1pp | 24.14%-7.5pp |
| Employer contribution / active EE | $527 | $1,431-63.2% | $4,268-87.7% | $1,862-71.7% |
| Participant deferral / active EE | $883 | $1,996-55.8% | $5,630-84.3% | $2,980-70.4% |
| Admin fee / account holder | $2,913 | $2,330+25.0% | $16,006-81.8% | $3,703-21.3% |