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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 | $3,034 | $25,014-87.9% | $69,632-95.6% | $80,959-96.3% |
| Participation rate | 67.1% | 64.2%+2.9pp | 66.4%+0.7pp | 67.7%-0.6pp |
| Annual return | 16.24% | 19.08%-2.8pp | 101.32%-85.1pp | 35.67%-19.4pp |
| Employer contribution / active EE | $699 | $991-29.5% | $1,708-59.1% | $2,757-74.7% |
| Participant deferral / active EE | $2,155 | $1,840+17.1% | $2,889-25.4% | $4,300-49.9% |
| Admin fee / account holder | $377 | $2,491-84.9% | $4,695-92.0% | $6,925-94.6% |