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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 | $29,914 | $140,800-78.8% | $89,340-66.5% | $79,634-62.4% |
| Participation rate | 17.8% | 61.9%-44.1pp | 69.6%-51.8pp | 62.5%-44.7pp |
| Annual return | 24.48% | 17.84%+6.6pp | 20.57%+3.9pp | 36.46%-12.0pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $2,231-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,845 | $3,219-42.7% | $3,823-51.7% | $3,835-51.9% |
| Admin fee / account holder | $3,880 | $1,610+140.9% | $6,704-42.1% | $1,002+287.2% |