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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 | $42,844 | $69,511-38.4% | $94,664-54.7% | $71,511-40.1% |
| Participation rate | 43.5% | 78.4%-34.9pp | 80.8%-37.4pp | 67.9%-24.5pp |
| Annual return | 27.81% | 29.67%-1.9pp | 156.84%-129.0pp | 28.86%-1.0pp |
| Employer contribution / active EE | $2,259 | $2,853-20.8% | $3,673-38.5% | $2,589-12.7% |
| Participant deferral / active EE | $4,136 | $7,348-43.7% | $7,417-44.2% | $4,291-3.6% |
| Admin fee / account holder | $2,117 | $1,211+74.9% | $7,222-70.7% | $1,588+33.3% |