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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 | $29,676 | $80,731-63.2% | $103,374-71.3% | $74,546-60.2% |
| Participation rate | 53.9% | 65.7%-11.8pp | 74.5%-20.6pp | 67.2%-13.3pp |
| Annual return | 12.26% | 27.56%-15.3pp | 24.89%-12.6pp | 1366.03%-1353.8pp |
| Employer contribution / active EE | $1,340 | $3,158-57.6% | $3,869-65.4% | $2,624-48.9% |
| Participant deferral / active EE | $2,199 | $3,860-43.0% | $5,058-56.5% | $4,347-49.4% |
| Admin fee / account holder | $1,366 | $2,369-42.3% | $8,394-83.7% | $1,944-29.7% |