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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 | $22,417 | $41,016-45.3% | $152,093-85.3% | $64,097-65.0% |
| Participation rate | 39.6% | 51.3%-11.7pp | 77.8%-38.1pp | 55.2%-15.6pp |
| Annual return | 18.14% | 39.60%-21.5pp | 66.36%-48.2pp | 34.64%-16.5pp |
| Employer contribution / active EE | $1,100 | $1,342-18.0% | $4,175-73.6% | $1,891-41.8% |
| Participant deferral / active EE | $2,414 | $1,927+25.3% | $5,451-55.7% | $3,080-21.6% |
| Admin fee / account holder | $2,225 | $2,305-3.5% | $14,497-84.7% | $3,454-35.6% |