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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 | $35,745 | $65,246-45.2% | $98,716-63.8% | $67,986-47.4% |
| Participation rate | 48.7% | 51.4%-2.7pp | 69.3%-20.5pp | 57.2%-8.5pp |
| Annual return | 19.87% | 20.58%-0.7pp | 31.81%-11.9pp | 31.67%-11.8pp |
| Employer contribution / active EE | $815 | $1,042-21.8% | $2,279-64.2% | $2,019-59.6% |
| Participant deferral / active EE | $1,417 | $2,594-45.4% | $4,048-65.0% | $3,358-57.8% |
| Admin fee / account holder | $825 | $4,561-81.9% | $8,703-90.5% | $3,203-74.2% |