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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 | $71,051 | $78,483-9.5% | $106,201-33.1% | $74,546-4.7% |
| Participation rate | 53.3% | 72.8%-19.5pp | 75.3%-22.0pp | 67.2%-13.9pp |
| Annual return | 17.93% | 15.94%+2.0pp | 116.26%-98.3pp | 1366.03%-1348.1pp |
| Employer contribution / active EE | $1,652 | $2,522-34.5% | $3,170-47.9% | $2,624-37.0% |
| Participant deferral / active EE | $3,151 | $4,320-27.1% | $5,012-37.1% | $4,347-27.5% |
| Admin fee / account holder | $2,404 | $2,236+7.5% | $11,039-78.2% | $1,944+23.7% |