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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 | $51,416 | $48,050+7.0% | $96,754-46.9% | $64,340-20.1% |
| Participation rate | 38.7% | 40.6%-1.9pp | 70.3%-31.6pp | 55.2%-16.6pp |
| Annual return | 14.42% | 23.41%-9.0pp | 82.04%-67.6pp | 24.14%-9.7pp |
| Employer contribution / active EE | $575 | $1,204-52.3% | $2,679-78.6% | $1,862-69.1% |
| Participant deferral / active EE | $1,978 | $2,191-9.7% | $4,758-58.4% | $2,980-33.6% |
| Admin fee / account holder | $2,905 | $3,741-22.4% | $8,905-67.4% | $3,703-21.5% |