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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 | $41,524 | $130,795-68.3% | $173,730-76.1% | $64,728-35.8% |
| Participation rate | 39.7% | 69.9%-30.2pp | 79.6%-39.9pp | 57.9%-18.2pp |
| Annual return | 21.01% | 13.01%+8.0pp | 19.96%+1.1pp | 49.38%-28.4pp |
| Employer contribution / active EE | $1,306 | $2,914-55.2% | $4,577-71.5% | $2,243-41.8% |
| Participant deferral / active EE | $2,315 | $3,477-33.4% | $6,326-63.4% | $2,729-15.2% |
| Admin fee / account holder | $3,258 | $1,356+140.2% | $17,523-81.4% | $1,145+184.5% |