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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 | $33,523 | $65,246-48.6% | $98,716-66.0% | $67,986-50.7% |
| Participation rate | 69.3% | 51.4%+17.9pp | 69.3%0pp | 57.2%+12.1pp |
| Annual return | 14.73% | 20.58%-5.9pp | 31.81%-17.1pp | 31.67%-16.9pp |
| Employer contribution / active EE | $568 | $1,042-45.5% | $2,279-75.1% | $2,019-71.9% |
| Participant deferral / active EE | $3,244 | $2,594+25.1% | $4,048-19.9% | $3,358-3.4% |
| Admin fee / account holder | $3,047 | $4,561-33.2% | $8,703-65.0% | $3,203-4.9% |