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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 | $33,681 | $62,166-45.8% | $81,353-58.6% | $74,459-54.8% |
| Participation rate | 66.1% | 64.1%+2.1pp | 69.5%-3.4pp | 67.2%-1.1pp |
| Annual return | 13.54% | 16.50%-3.0pp | 24.82%-11.3pp | 1369.70%-1356.2pp |
| Employer contribution / active EE | $1,628 | $1,881-13.5% | $2,464-33.9% | $2,626-38.0% |
| Participant deferral / active EE | $2,659 | $3,223-17.5% | $3,885-31.6% | $4,350-38.9% |
| Admin fee / account holder | $4,822 | $1,925+150.5% | $5,766-16.4% | $1,945+147.9% |