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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 | $61,315-51.2% | $90,259-66.9% | $64,728-53.8% |
| Participation rate | 17.8% | 51.1%-33.3pp | 70.7%-52.9pp | 57.9%-40.1pp |
| Annual return | 24.48% | 19.46%+5.0pp | 18.88%+5.6pp | 49.38%-24.9pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,291-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $1,845 | $2,408-23.4% | $3,827-51.8% | $2,729-32.4% |
| Admin fee / account holder | $3,880 | $1,726+124.8% | $7,267-46.6% | $1,145+238.8% |