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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 | $27,317 | $61,356-55.5% | $149,696-81.8% | $71,511-61.8% |
| Participation rate | 44.3% | 62.5%-18.3pp | 78.8%-34.5pp | 67.9%-23.7pp |
| Annual return | 16.66% | 35.86%-19.2pp | 134.46%-117.8pp | 28.86%-12.2pp |
| Employer contribution / active EE | $448 | $2,382-81.2% | $4,821-90.7% | $2,589-82.7% |
| Participant deferral / active EE | $1,324 | $2,920-54.7% | $5,682-76.7% | $4,291-69.1% |
| Admin fee / account holder | $3,362 | $1,263+166.2% | $13,212-74.6% | $1,588+111.7% |