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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 | $37,795 | $110,483-65.8% | $145,433-74.0% | $79,634-52.5% |
| Participation rate | 28.7% | 71.1%-42.4pp | 82.1%-53.4pp | 62.5%-33.8pp |
| Annual return | 21.05% | 24.62%-3.6pp | 66.58%-45.5pp | 36.46%-15.4pp |
| Employer contribution / active EE | $1,014 | $4,053-75.0% | $4,554-77.7% | $2,529-59.9% |
| Participant deferral / active EE | $1,660 | $7,216-77.0% | $7,897-79.0% | $3,835-56.7% |
| Admin fee / account holder | $2,505 | $680+268.3% | $13,129-80.9% | $1,002+150.0% |