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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 | $65,168 | $80,674-19.2% | $119,126-45.3% | $64,340+1.3% |
| Participation rate | 55.5% | 55.2%+0.2pp | 75.8%-20.3pp | 55.2%+0.2pp |
| Annual return | 15.83% | 26.86%-11.0pp | 282.11%-266.3pp | 24.14%-8.3pp |
| Employer contribution / active EE | $1,565 | $2,564-39.0% | $4,034-61.2% | $1,862-15.9% |
| Participant deferral / active EE | $3,157 | $3,053+3.4% | $5,318-40.6% | $2,980+5.9% |
| Admin fee / account holder | $4,290 | $4,559-5.9% | $10,693-59.9% | $3,703+15.9% |