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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 | $39,613 | $43,496-8.9% | $161,489-75.5% | $64,340-38.4% |
| Participation rate | 47.7% | 53.5%-5.8pp | 78.7%-31.0pp | 55.2%-7.5pp |
| Annual return | 16.31% | 20.76%-4.4pp | 89.72%-73.4pp | 24.14%-7.8pp |
| Employer contribution / active EE | $3,719 | $1,431+159.9% | $4,268-12.9% | $1,862+99.8% |
| Participant deferral / active EE | $1,297 | $1,996-35.0% | $5,630-77.0% | $2,980-56.5% |
| Admin fee / account holder | $3,351 | $2,330+43.8% | $16,006-79.1% | $3,703-9.5% |