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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 | $49,123 | $38,967+26.1% | $86,233-43.0% | $79,634-38.3% |
| Participation rate | 25.8% | 34.1%-8.2pp | 69.0%-43.2pp | 62.5%-36.7pp |
| Annual return | 13.17% | 49.90%-36.7pp | 61.39%-48.2pp | 36.46%-23.3pp |
| Employer contribution / active EE | $814 | $868-6.3% | $2,504-67.5% | $2,529-67.8% |
| Participant deferral / active EE | $1,582 | $1,663-4.8% | $4,559-65.3% | $3,835-58.7% |
| Admin fee / account holder | $6,083 | $2,660+128.7% | $8,342-27.1% | $1,002+507.1% |