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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 | $105,248-64.1% | $147,318-74.3% | $71,012-46.8% |
| Participation rate | 28.7% | 66.1%-37.5pp | 82.1%-53.4pp | 58.6%-29.9pp |
| Annual return | 21.05% | 26.02%-5.0pp | 70.43%-49.4pp | 37.67%-16.6pp |
| Employer contribution / active EE | $1,014 | $3,785-73.2% | $4,593-77.9% | $2,348-56.8% |
| Participant deferral / active EE | $1,660 | $6,452-74.3% | $7,906-79.0% | $3,246-48.9% |
| Admin fee / account holder | $2,505 | $862+190.4% | $13,708-81.7% | $1,167+114.6% |