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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 | $21,736 | $60,396-64.0% | $111,392-80.5% | $56,287-61.4% |
| Participation rate | 60.3% | 72.4%-12.2pp | 78.9%-18.6pp | 69.9%-9.6pp |
| Annual return | 6.92% | 20.26%-13.3pp | -2.06%+9.0pp | -9.96%+16.9pp |
| Employer contribution / active EE | $1,533 | $3,459-55.7% | $4,328-64.6% | $2,111-27.4% |
| Participant deferral / active EE | $3,443 | $4,421-22.1% | $5,567-38.2% | $3,350+2.8% |
| Admin fee / account holder | $460 | $610-24.6% | $12,266-96.3% | $521-11.7% |