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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 | $80,332-51.9% | $107,187-63.9% | $64,097-39.7% |
| Participation rate | 45.8% | 54.4%-8.6pp | 75.0%-29.2pp | 55.2%-9.4pp |
| Annual return | 18.72% | 24.26%-5.5pp | 204.55%-185.8pp | 34.64%-15.9pp |
| Employer contribution / active EE | $1,369 | $2,501-45.3% | $3,782-63.8% | $1,891-27.6% |
| Participant deferral / active EE | $2,827 | $3,109-9.1% | $5,096-44.5% | $3,080-8.2% |
| Admin fee / account holder | $1,806 | $4,314-58.1% | $9,162-80.3% | $3,454-47.7% |