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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 | $68,971 | $77,788-11.3% | $119,126-42.1% | $64,728+6.6% |
| Participation rate | 36.3% | 69.4%-33.1pp | 75.8%-39.5pp | 57.9%-21.6pp |
| Annual return | 14.43% | 13.19%+1.2pp | 282.11%-267.7pp | 49.38%-35.0pp |
| Employer contribution / active EE | $1,312 | $4,031-67.4% | $4,034-67.5% | $2,243-41.5% |
| Participant deferral / active EE | $2,433 | $2,599-6.4% | $5,318-54.2% | $2,729-10.8% |
| Admin fee / account holder | $3,501 | $1,365+156.5% | $10,693-67.3% | $1,145+205.8% |