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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 | $54,718 | $88,360-38.1% | $145,433-62.4% | $67,986-19.5% |
| Participation rate | 42.6% | 65.5%-22.9pp | 82.1%-39.5pp | 57.2%-14.6pp |
| Annual return | 16.54% | 63.15%-46.6pp | 66.58%-50.0pp | 31.67%-15.1pp |
| Employer contribution / active EE | $2,026 | $3,054-33.7% | $4,554-55.5% | $2,019+0.4% |
| Participant deferral / active EE | $4,438 | $5,932-25.2% | $7,897-43.8% | $3,358+32.2% |
| Admin fee / account holder | $4,386 | $3,313+32.4% | $13,129-66.6% | $3,203+36.9% |