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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 | $23,914 | $66,275-63.9% | $163,379-85.4% | $64,097-62.7% |
| Participation rate | 40.9% | 54.1%-13.2pp | 76.8%-36.0pp | 55.2%-14.3pp |
| Annual return | 16.50% | 32.72%-16.2pp | 63.41%-46.9pp | 34.64%-18.1pp |
| Employer contribution / active EE | $0 | $1,521-100.0% | $3,752-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,732 | $3,126-12.6% | $6,282-56.5% | $3,080-11.3% |
| Admin fee / account holder | $3,844 | $4,569-15.9% | $9,818-60.8% | $3,454+11.3% |