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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 | $39,378 | $50,860-22.6% | $155,574-74.7% | $77,714-49.3% |
| Participation rate | 33.0% | 63.1%-30.1pp | 78.2%-45.2pp | 70.6%-37.6pp |
| Annual return | 17.86% | 34.86%-17.0pp | 64.87%-47.0pp | 31.26%-13.4pp |
| Employer contribution / active EE | $1,138 | $1,991-42.8% | $4,676-75.7% | $2,727-58.3% |
| Participant deferral / active EE | $2,113 | $2,825-25.2% | $5,629-62.5% | $4,649-54.6% |
| Admin fee / account holder | $3,455 | $436+691.6% | $15,914-78.3% | $433+697.4% |