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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 | $35,066 | $65,246-46.3% | $98,716-64.5% | $67,986-48.4% |
| Participation rate | 48.4% | 51.4%-3.1pp | 69.3%-20.9pp | 57.2%-8.8pp |
| Annual return | 17.23% | 20.58%-3.3pp | 31.81%-14.6pp | 31.67%-14.4pp |
| Employer contribution / active EE | $480 | $1,042-53.9% | $2,279-78.9% | $2,019-76.2% |
| Participant deferral / active EE | $2,102 | $2,594-19.0% | $4,048-48.1% | $3,358-37.4% |
| Admin fee / account holder | $1,369 | $4,561-70.0% | $8,703-84.3% | $3,203-57.3% |