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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 | $41,737 | $65,582-36.4% | $64,101-34.9% | $71,511-41.6% |
| Participation rate | 44.9% | 73.2%-28.3pp | 72.3%-27.4pp | 67.9%-23.0pp |
| Annual return | 19.03% | 18.96%+0.1pp | 33.72%-14.7pp | 28.86%-9.8pp |
| Employer contribution / active EE | $1,739 | $2,671-34.9% | $2,749-36.7% | $2,589-32.8% |
| Participant deferral / active EE | $2,812 | $3,628-22.5% | $3,881-27.5% | $4,291-34.5% |
| Admin fee / account holder | $3,468 | $616+462.6% | $3,070+12.9% | $1,588+118.3% |