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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 | $44,840 | $80,781-44.5% | $102,437-56.2% | $74,478-39.8% |
| Participation rate | 42.6% | 65.7%-23.1pp | 74.5%-31.9pp | 67.2%-24.6pp |
| Annual return | 13.42% | 27.58%-14.2pp | 24.95%-11.5pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $1,162 | $3,160-63.2% | $3,871-70.0% | $2,626-55.8% |
| Participant deferral / active EE | $2,077 | $3,862-46.2% | $5,060-59.0% | $4,350-52.3% |
| Admin fee / account holder | $1,986 | $2,372-16.3% | $8,388-76.3% | $1,946+2.1% |