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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 | $23,558 | $61,356-61.6% | $149,696-84.3% | $71,511-67.1% |
| Participation rate | 58.8% | 62.5%-3.7pp | 78.8%-20.0pp | 67.9%-9.1pp |
| Annual return | 31.03% | 35.86%-4.8pp | 134.46%-103.4pp | 28.86%+2.2pp |
| Employer contribution / active EE | $1,785 | $2,382-25.1% | $4,821-63.0% | $2,589-31.1% |
| Participant deferral / active EE | $3,080 | $2,920+5.5% | $5,682-45.8% | $4,291-28.2% |
| Admin fee / account holder | $1,917 | $1,263+51.7% | $13,212-85.5% | $1,588+20.7% |