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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 | $55,111 | $85,515-35.6% | $112,040-50.8% | $67,986-18.9% |
| Participation rate | 47.2% | 68.2%-21.0pp | 76.5%-29.3pp | 57.2%-10.0pp |
| Annual return | 18.14% | 29.68%-11.5pp | 24.52%-6.4pp | 31.67%-13.5pp |
| Employer contribution / active EE | $1,472 | $2,191-32.8% | $2,954-50.2% | $2,019-27.1% |
| Participant deferral / active EE | $2,970 | $4,014-26.0% | $5,098-41.7% | $3,358-11.6% |
| Admin fee / account holder | $1,775 | $3,774-52.9% | $12,098-85.3% | $3,203-44.6% |