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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 | $36,080 | $52,682-31.5% | $78,004-53.7% | $64,097-43.7% |
| Participation rate | 67.4% | 47.7%+19.7pp | 69.4%-2.0pp | 55.2%+12.2pp |
| Annual return | 16.21% | 22.45%-6.2pp | 31.07%-14.9pp | 34.64%-18.4pp |
| Employer contribution / active EE | $391 | $1,323-70.4% | $2,469-84.2% | $1,891-79.3% |
| Participant deferral / active EE | $1,568 | $2,346-33.1% | $4,092-61.7% | $3,080-49.1% |
| Admin fee / account holder | $2,287 | $5,420-57.8% | $7,578-69.8% | $3,454-33.8% |