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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 | $46,477 | $83,045-44.0% | $130,045-64.3% | $71,511-35.0% |
| Participation rate | 61.6% | 74.1%-12.5pp | 78.5%-16.9pp | 67.9%-6.3pp |
| Annual return | 22.02% | 20.61%+1.4pp | -137.30%+159.3pp | 28.86%-6.8pp |
| Employer contribution / active EE | $1,919 | $2,623-26.8% | $4,321-55.6% | $2,589-25.9% |
| Participant deferral / active EE | $3,029 | $4,436-31.7% | $5,820-47.9% | $4,291-29.4% |
| Admin fee / account holder | $620 | $1,727-64.1% | $10,600-94.2% | $1,588-61.0% |