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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 | $44,715 | $51,620-13.4% | $90,324-50.5% | $65,186-31.4% |
| Participation rate | 39.2% | 68.6%-29.4pp | 73.3%-34.1pp | 70.2%-31.0pp |
| Annual return | 28.31% | 24.94%+3.4pp | 78.15%-49.8pp | 29.39%-1.1pp |
| Employer contribution / active EE | $813 | $2,235-63.6% | $2,856-71.5% | $2,177-62.6% |
| Participant deferral / active EE | $1,630 | $2,871-43.2% | $3,885-58.0% | $3,514-53.6% |
| Admin fee / account holder | $7,171 | $384+1766.0% | $5,356+33.9% | $847+746.4% |