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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 | $28,201 | $50,820-44.5% | $155,567-81.9% | $77,671-63.7% |
| Participation rate | 31.6% | 63.1%-31.5pp | 78.2%-46.6pp | 70.6%-39.0pp |
| Annual return | 25.99% | 34.85%-8.9pp | 64.74%-38.7pp | 31.21%-5.2pp |
| Employer contribution / active EE | $914 | $1,993-54.1% | $4,674-80.4% | $2,726-66.5% |
| Participant deferral / active EE | $1,806 | $2,823-36.0% | $5,628-67.9% | $4,648-61.1% |
| Admin fee / account holder | $2,623 | $436+501.7% | $15,916-83.5% | $430+509.5% |