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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 | $19,129 | $52,682-63.7% | $78,004-75.5% | $64,097-70.2% |
| Participation rate | 53.0% | 47.7%+5.3pp | 69.4%-16.4pp | 55.2%-2.2pp |
| Annual return | 16.22% | 22.45%-6.2pp | 31.07%-14.9pp | 34.64%-18.4pp |
| Employer contribution / active EE | $920 | $1,323-30.4% | $2,469-62.7% | $1,891-51.3% |
| Participant deferral / active EE | $2,314 | $2,346-1.3% | $4,092-43.4% | $3,080-24.9% |
| Admin fee / account holder | $817 | $5,420-84.9% | $7,578-89.2% | $3,454-76.4% |