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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 | $48,124 | $61,356-21.6% | $149,696-67.9% | $71,511-32.7% |
| Participation rate | 43.7% | 62.5%-18.8pp | 78.8%-35.1pp | 67.9%-24.2pp |
| Annual return | 31.35% | 35.86%-4.5pp | 134.46%-103.1pp | 28.86%+2.5pp |
| Employer contribution / active EE | $1,436 | $2,382-39.7% | $4,821-70.2% | $2,589-44.5% |
| Participant deferral / active EE | $3,693 | $2,920+26.5% | $5,682-35.0% | $4,291-13.9% |
| Admin fee / account holder | $1,365 | $1,263+8.1% | $13,212-89.7% | $1,588-14.0% |