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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 | $80,332-50.2% | $107,187-62.7% | $64,097-37.6% |
| Participation rate | 47.8% | 54.4%-6.6pp | 75.0%-27.2pp | 55.2%-7.4pp |
| Annual return | 14.83% | 24.26%-9.4pp | 204.55%-189.7pp | 34.64%-19.8pp |
| Employer contribution / active EE | $1,486 | $2,501-40.6% | $3,782-60.7% | $1,891-21.4% |
| Participant deferral / active EE | $2,557 | $3,109-17.7% | $5,096-49.8% | $3,080-17.0% |
| Admin fee / account holder | $4,154 | $4,314-3.7% | $9,162-54.7% | $3,454+20.2% |