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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 | $33,733 | $104,829-67.8% | $142,942-76.4% | $79,634-57.6% |
| Participation rate | 33.3% | 66.2%-32.8pp | 76.8%-43.5pp | 62.5%-29.2pp |
| Annual return | 18.27% | 15.48%+2.8pp | 113.70%-95.4pp | 36.46%-18.2pp |
| Employer contribution / active EE | $269 | $3,867-93.0% | $4,139-93.5% | $2,529-89.3% |
| Participant deferral / active EE | $1,979 | $5,222-62.1% | $7,128-72.2% | $3,835-48.4% |
| Admin fee / account holder | $1,346 | $887+51.8% | $12,475-89.2% | $1,002+34.3% |