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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 | $24,681 | $46,464-46.9% | $150,298-83.6% | $79,634-69.0% |
| Participation rate | 18.9% | 57.0%-38.1pp | 77.8%-58.9pp | 62.5%-43.6pp |
| Annual return | 26.90% | 27.89%-1.0pp | 62.79%-35.9pp | 36.46%-9.6pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,426 | $2,157-33.9% | $5,453-73.8% | $3,835-62.8% |
| Admin fee / account holder | $2,933 | $891+229.2% | $14,116-79.2% | $1,002+192.7% |