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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 | $82,879-42.1% | $96,576-50.3% | $67,986-29.4% |
| Participation rate | 64.6% | 75.2%-10.6pp | 81.4%-16.8pp | 57.2%+7.4pp |
| Annual return | 17.62% | 36.90%-19.3pp | 38.47%-20.8pp | 31.67%-14.0pp |
| Employer contribution / active EE | $0 | $2,727-100.0% | $3,553-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $6,105 | $6,976-12.5% | $7,956-23.3% | $3,358+81.8% |
| Admin fee / account holder | $3,202 | $2,783+15.0% | $11,381-71.9% | $3,203-0.1% |