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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 | $64,010-45.2% | $108,359-67.6% | $64,340-45.5% |
| Participation rate | 48.4% | 49.4%-1.0pp | 70.1%-21.8pp | 55.2%-6.9pp |
| Annual return | 17.23% | 19.74%-2.5pp | 36.89%-19.7pp | 24.14%-6.9pp |
| Employer contribution / active EE | $480 | $1,029-53.3% | $2,399-80.0% | $1,862-74.2% |
| Participant deferral / active EE | $2,102 | $2,395-12.3% | $4,137-49.2% | $2,980-29.5% |
| Admin fee / account holder | $1,369 | $4,885-72.0% | $9,741-85.9% | $3,703-63.0% |