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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 | $46,608 | $53,546-13.0% | $69,890-33.3% | $68,490-31.9% |
| Participation rate | 69.3% | 64.5%+4.8pp | 70.5%-1.2pp | 67.9%+1.4pp |
| Annual return | -15.75% | -13.87%-1.9pp | 190.84%-206.6pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,209 | $2,019-40.1% | $2,560-52.8% | $2,597-53.4% |
| Participant deferral / active EE | $2,231 | $2,957-24.5% | $3,848-42.0% | $4,028-44.6% |
| Admin fee / account holder | $1,614 | $4,693-65.6% | $6,267-74.2% | $5,403-70.1% |