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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 | $54,876 | $80,763-32.1% | $102,412-46.4% | $74,459-26.3% |
| Participation rate | 40.6% | 65.7%-25.1pp | 74.5%-33.9pp | 67.2%-26.6pp |
| Annual return | 29.36% | 27.57%+1.8pp | 24.94%+4.4pp | 1369.70%-1340.3pp |
| Employer contribution / active EE | $1,687 | $3,160-46.6% | $3,870-56.4% | $2,626-35.8% |
| Participant deferral / active EE | $3,173 | $3,862-17.8% | $5,060-37.3% | $4,350-27.0% |
| Admin fee / account holder | $5,543 | $2,371+133.7% | $8,388-33.9% | $1,945+185.0% |