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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 | $25,677 | $65,208-60.6% | $90,796-71.7% | $71,012-63.8% |
| Participation rate | 35.6% | 54.6%-19.0pp | 69.5%-33.9pp | 58.6%-22.9pp |
| Annual return | 19.96% | 18.25%+1.7pp | 19.29%+0.7pp | 37.67%-17.7pp |
| Employer contribution / active EE | $833 | $1,855-55.1% | $2,294-63.7% | $2,348-64.5% |
| Participant deferral / active EE | $1,832 | $2,737-33.1% | $3,822-52.1% | $3,246-43.6% |
| Admin fee / account holder | $2,053 | $1,639+25.3% | $7,024-70.8% | $1,167+75.9% |