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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 | $47,965 | $84,458-43.2% | $102,184-53.1% | $64,340-25.5% |
| Participation rate | 64.6% | 74.2%-9.6pp | 82.6%-18.0pp | 55.2%+9.4pp |
| Annual return | 17.62% | 45.73%-28.1pp | 31.58%-14.0pp | 24.14%-6.5pp |
| Employer contribution / active EE | $0 | $2,412-100.0% | $3,594-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $6,105 | $6,208-1.7% | $8,309-26.5% | $2,980+104.8% |
| Admin fee / account holder | $3,202 | $2,926+9.4% | $11,609-72.4% | $3,703-13.5% |