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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 | $34,827 | $59,054-41.0% | $97,167-64.2% | $77,671-55.2% |
| Participation rate | 27.6% | 67.9%-40.3pp | 72.7%-45.1pp | 70.6%-43.0pp |
| Annual return | 18.36% | 16.96%+1.4pp | 75.27%-56.9pp | 31.21%-12.8pp |
| Employer contribution / active EE | $1,337 | $1,742-23.3% | $2,729-51.0% | $2,726-51.0% |
| Participant deferral / active EE | $2,534 | $3,930-35.5% | $4,264-40.6% | $4,648-45.5% |
| Admin fee / account holder | $4,201 | $346+1113.6% | $5,650-25.6% | $430+876.1% |