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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 | $46,688-15.2% | $189,758-79.1% | $69,733-43.2% |
| Participation rate | 47.7% | 61.7%-14.0pp | 79.8%-32.1pp | 62.5%-14.7pp |
| Annual return | 16.31% | 14.35%+2.0pp | 52.62%-36.3pp | 15.22%+1.1pp |
| Employer contribution / active EE | $3,719 | $1,695+119.4% | $4,767-22.0% | $2,250+65.3% |
| Participant deferral / active EE | $1,297 | $2,143-39.5% | $5,856-77.9% | $3,054-57.6% |
| Admin fee / account holder | $3,351 | $1,700+97.1% | $20,388-83.6% | $3,102+8.0% |