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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 | $21,644 | $60,989-64.5% | $60,919-64.5% | $66,949-67.7% |
| Participation rate | 66.9% | 74.5%-7.5pp | 73.1%-6.2pp | 69.8%-2.9pp |
| Annual return | -16.49% | -9.60%-6.9pp | 16.96%-33.5pp | 1.57%-18.1pp |
| Employer contribution / active EE | $3,169 | $2,661+19.1% | $2,704+17.2% | $2,545+24.5% |
| Participant deferral / active EE | $2,632 | $3,615-27.2% | $3,814-31.0% | $4,239-37.9% |
| Admin fee / account holder | $907 | $338+167.8% | $3,228-71.9% | $594+52.7% |