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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 | $47,012 | $95,453-50.7% | $112,040-58.0% | $82,448-43.0% |
| Participation rate | 22.8% | 72.8%-49.9pp | 76.5%-53.7pp | 68.1%-45.3pp |
| Annual return | 12.72% | 23.92%-11.2pp | 24.52%-11.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $2,306 | $2,318-0.5% | $2,954-21.9% | $2,551-9.6% |
| Participant deferral / active EE | $3,840 | $4,224-9.1% | $5,098-24.7% | $4,139-7.2% |
| Admin fee / account holder | $8,846 | $9,013-1.9% | $12,098-26.9% | $7,234+22.3% |