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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 | $39,700 | $88,360-55.1% | $145,433-72.7% | $67,986-41.6% |
| Participation rate | 53.7% | 65.5%-11.8pp | 82.1%-28.4pp | 57.2%-3.5pp |
| Annual return | 31.06% | 63.15%-32.1pp | 66.58%-35.5pp | 31.67%-0.6pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $8,853 | $5,932+49.2% | $7,897+12.1% | $3,358+163.6% |
| Admin fee / account holder | $1,628 | $3,313-50.9% | $13,129-87.6% | $3,203-49.2% |