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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 | $37,742 | $69,511-45.7% | $94,672-60.1% | $71,529-47.2% |
| Participation rate | 60.7% | 78.4%-17.7pp | 80.8%-20.1pp | 67.9%-7.2pp |
| Annual return | 28.06% | 29.67%-1.6pp | 156.89%-128.8pp | 28.97%-0.9pp |
| Employer contribution / active EE | $0 | $2,853-100.0% | $3,673-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $8,897 | $7,348+21.1% | $7,417+19.9% | $4,291+107.3% |
| Admin fee / account holder | $3,970 | $1,211+227.9% | $7,222-45.0% | $1,588+149.9% |