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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 | $32,469 | $88,183-63.2% | $107,187-69.7% | $71,012-54.3% |
| Participation rate | 26.0% | 67.5%-41.5pp | 75.0%-49.1pp | 58.6%-32.6pp |
| Annual return | 36.02% | 16.47%+19.5pp | 204.55%-168.5pp | 37.67%-1.6pp |
| Employer contribution / active EE | $801 | $3,914-79.5% | $3,782-78.8% | $2,348-65.9% |
| Participant deferral / active EE | $1,405 | $3,079-54.4% | $5,096-72.4% | $3,246-56.7% |
| Admin fee / account holder | $1,365 | $1,430-4.6% | $9,162-85.1% | $1,167+16.9% |