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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 | $54,197 | $62,164-12.8% | $81,482-33.5% | $74,400-27.2% |
| Participation rate | 51.1% | 64.1%-13.0pp | 69.5%-18.4pp | 67.2%-16.1pp |
| Annual return | 17.22% | 16.50%+0.7pp | 24.79%-7.6pp | 1367.51%-1350.3pp |
| Employer contribution / active EE | $1,379 | $1,884-26.8% | $2,463-44.0% | $2,624-47.5% |
| Participant deferral / active EE | $2,059 | $3,230-36.3% | $3,885-47.0% | $4,348-52.6% |
| Admin fee / account holder | $3,150 | $1,923+63.8% | $5,761-45.3% | $1,944+62.1% |