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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 | $2,815 | $16,790-83.2% | $64,489-95.6% | $67,986-95.9% |
| Participation rate | 69.0% | 62.4%+6.6pp | 67.7%+1.3pp | 57.2%+11.8pp |
| Annual return | 22.31% | 30.55%-8.2pp | 55.03%-32.7pp | 31.67%-9.4pp |
| Employer contribution / active EE | $437 | $648-32.6% | $1,523-71.3% | $2,019-78.4% |
| Participant deferral / active EE | $755 | $1,510-50.0% | $2,778-72.8% | $3,358-77.5% |
| Admin fee / account holder | $375 | $1,690-77.8% | $4,260-91.2% | $3,203-88.3% |