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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 | $2,093 | $25,014-91.6% | $69,632-97.0% | $80,959-97.4% |
| Participation rate | 68.6% | 64.2%+4.4pp | 66.4%+2.1pp | 67.7%+0.9pp |
| Annual return | 15.39% | 19.08%-3.7pp | 101.32%-85.9pp | 35.67%-20.3pp |
| Employer contribution / active EE | $514 | $991-48.2% | $1,708-69.9% | $2,757-81.4% |
| Participant deferral / active EE | $1,338 | $1,840-27.2% | $2,889-53.7% | $4,300-68.9% |
| Admin fee / account holder | $468 | $2,491-81.2% | $4,695-90.0% | $6,925-93.2% |