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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 | $55,460 | $66,486-16.6% | $81,370-31.8% | $77,762-28.7% |
| Participation rate | 48.4% | 68.7%-20.3pp | 69.5%-21.1pp | 70.6%-22.1pp |
| Annual return | 42.89% | 15.95%+26.9pp | 24.85%+18.0pp | 31.27%+11.6pp |
| Employer contribution / active EE | $1,135 | $2,158-47.4% | $2,464-53.9% | $2,728-58.4% |
| Participant deferral / active EE | $3,876 | $3,677+5.4% | $3,885-0.2% | $4,651-16.7% |
| Admin fee / account holder | $9,931 | $586+1595.5% | $5,749+72.7% | $433+2194.1% |