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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 | $39,971 | $83,369-52.1% | $105,223-62.0% | $67,986-41.2% |
| Participation rate | 47.8% | 56.3%-8.5pp | 75.0%-27.2pp | 57.2%-9.4pp |
| Annual return | 14.83% | 24.64%-9.8pp | 180.65%-165.8pp | 31.67%-16.8pp |
| Employer contribution / active EE | $1,486 | $2,541-41.5% | $3,689-59.7% | $2,019-26.4% |
| Participant deferral / active EE | $2,557 | $3,295-22.4% | $5,072-49.6% | $3,358-23.8% |
| Admin fee / account holder | $4,154 | $4,073+2.0% | $8,859-53.1% | $3,203+29.7% |