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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 | $38,675 | $83,369-53.6% | $105,223-63.2% | $67,986-43.1% |
| Participation rate | 45.8% | 56.3%-10.5pp | 75.0%-29.2pp | 57.2%-11.4pp |
| Annual return | 18.72% | 24.64%-5.9pp | 180.65%-161.9pp | 31.67%-12.9pp |
| Employer contribution / active EE | $1,369 | $2,541-46.1% | $3,689-62.9% | $2,019-32.2% |
| Participant deferral / active EE | $2,827 | $3,295-14.2% | $5,072-44.3% | $3,358-15.8% |
| Admin fee / account holder | $1,806 | $4,073-55.7% | $8,859-79.6% | $3,203-43.6% |