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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 | $45,312+13.5% | $86,233-40.4% | $67,986-24.4% |
| Participation rate | 38.7% | 42.4%-3.7pp | 69.0%-30.3pp | 57.2%-18.5pp |
| Annual return | 14.42% | 24.79%-10.4pp | 61.39%-47.0pp | 31.67%-17.2pp |
| Employer contribution / active EE | $575 | $1,160-50.5% | $2,504-77.1% | $2,019-71.5% |
| Participant deferral / active EE | $1,978 | $2,185-9.4% | $4,559-56.6% | $3,358-41.1% |
| Admin fee / account holder | $2,905 | $3,295-11.8% | $8,342-65.2% | $3,203-9.3% |