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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 | $80,781-63.3% | $102,437-71.0% | $74,478-60.2% |
| Participation rate | 53.9% | 65.7%-11.8pp | 74.5%-20.6pp | 67.2%-13.3pp |
| Annual return | 12.26% | 27.58%-15.3pp | 24.95%-12.7pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $1,340 | $3,160-57.6% | $3,871-65.4% | $2,626-49.0% |
| Participant deferral / active EE | $2,199 | $3,862-43.1% | $5,060-56.6% | $4,350-49.5% |
| Admin fee / account holder | $1,366 | $2,372-42.4% | $8,388-83.7% | $1,946-29.8% |