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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 | $28,800 | $57,763-50.1% | $112,228-74.3% | $71,529-59.7% |
| Participation rate | 50.3% | 58.9%-8.6pp | 72.4%-22.1pp | 67.9%-17.6pp |
| Annual return | 15.53% | 18.26%-2.7pp | 30.23%-14.7pp | 28.97%-13.4pp |
| Employer contribution / active EE | $1,022 | $1,916-46.7% | $3,432-70.2% | $2,590-60.5% |
| Participant deferral / active EE | $1,556 | $2,865-45.7% | $4,800-67.6% | $4,291-63.7% |
| Admin fee / account holder | $5,766 | $1,563+269.0% | $7,752-25.6% | $1,588+263.0% |