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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 | $45,343-12.6% | $150,298-73.6% | $67,986-41.7% |
| Participation rate | 47.7% | 51.9%-4.2pp | 77.8%-30.1pp | 57.2%-9.5pp |
| Annual return | 16.31% | 33.28%-17.0pp | 62.79%-46.5pp | 31.67%-15.4pp |
| Employer contribution / active EE | $3,719 | $1,462+154.4% | $4,154-10.5% | $2,019+84.2% |
| Participant deferral / active EE | $1,297 | $2,055-36.9% | $5,453-76.2% | $3,358-61.4% |
| Admin fee / account holder | $3,351 | $2,250+49.0% | $14,116-76.3% | $3,203+4.6% |