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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 | $2,387 | $25,014-90.5% | $69,632-96.6% | $80,959-97.1% |
| Participation rate | 69.8% | 64.2%+5.6pp | 66.4%+3.3pp | 67.7%+2.1pp |
| Annual return | 13.83% | 19.08%-5.3pp | 101.32%-87.5pp | 35.67%-21.8pp |
| Employer contribution / active EE | $792 | $991-20.1% | $1,708-53.7% | $2,757-71.3% |
| Participant deferral / active EE | $1,956 | $1,840+6.4% | $2,889-32.3% | $4,300-54.5% |
| Admin fee / account holder | $354 | $2,491-85.8% | $4,695-92.5% | $6,925-94.9% |