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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 | $43,610 | $76,696-43.1% | $96,538-54.8% | $71,529-39.0% |
| Participation rate | 38.9% | 66.6%-27.7pp | 74.3%-35.5pp | 67.9%-29.1pp |
| Annual return | 19.28% | 48.32%-29.0pp | 35.74%-16.5pp | 28.97%-9.7pp |
| Employer contribution / active EE | $1,113 | $3,032-63.3% | $3,740-70.2% | $2,590-57.0% |
| Participant deferral / active EE | $2,109 | $3,770-44.1% | $4,880-56.8% | $4,291-50.9% |
| Admin fee / account holder | $2,721 | $2,030+34.1% | $6,737-59.6% | $1,588+71.3% |