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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 | $36,136 | $83,369-56.7% | $105,223-65.7% | $67,986-46.8% |
| Participation rate | 46.9% | 56.3%-9.4pp | 75.0%-28.1pp | 57.2%-10.3pp |
| Annual return | 15.73% | 24.64%-8.9pp | 180.65%-164.9pp | 31.67%-15.9pp |
| Employer contribution / active EE | $888 | $2,541-65.1% | $3,689-75.9% | $2,019-56.0% |
| Participant deferral / active EE | $3,098 | $3,295-6.0% | $5,072-38.9% | $3,358-7.7% |
| Admin fee / account holder | $2,412 | $4,073-40.8% | $8,859-72.8% | $3,203-24.7% |