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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 | $37,854 | $47,553-20.4% | $136,867-72.3% | $69,733-45.7% |
| Participation rate | 52.4% | 61.4%-8.9pp | 74.5%-22.1pp | 62.5%-10.0pp |
| Annual return | 11.15% | -91.50%+102.6pp | 42.97%-31.8pp | 15.22%-4.1pp |
| Employer contribution / active EE | $774 | $2,087-62.9% | $3,547-78.2% | $2,250-65.6% |
| Participant deferral / active EE | $2,369 | $2,300+3.0% | $4,924-51.9% | $3,054-22.5% |
| Admin fee / account holder | $3,342 | $3,496-4.4% | $10,340-67.7% | $3,102+7.7% |