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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 | $32,551 | $88,360-63.2% | $145,433-77.6% | $67,986-52.1% |
| Participation rate | 54.0% | 65.5%-11.5pp | 82.1%-28.2pp | 57.2%-3.3pp |
| Annual return | 20.62% | 63.15%-42.5pp | 66.58%-46.0pp | 31.67%-11.0pp |
| Employer contribution / active EE | $727 | $3,054-76.2% | $4,554-84.0% | $2,019-64.0% |
| Participant deferral / active EE | $3,529 | $5,932-40.5% | $7,897-55.3% | $3,358+5.1% |
| Admin fee / account holder | $1,149 | $3,313-65.3% | $13,129-91.2% | $3,203-64.1% |