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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 | $58,698 | $45,343+29.5% | $150,298-60.9% | $67,986-13.7% |
| Participation rate | 63.2% | 51.9%+11.4pp | 77.8%-14.5pp | 57.2%+6.0pp |
| Annual return | 18.50% | 33.28%-14.8pp | 62.79%-44.3pp | 31.67%-13.2pp |
| Employer contribution / active EE | $1,237 | $1,462-15.4% | $4,154-70.2% | $2,019-38.7% |
| Participant deferral / active EE | $2,993 | $2,055+45.6% | $5,453-45.1% | $3,358-10.9% |
| Admin fee / account holder | $1,602 | $2,250-28.8% | $14,116-88.6% | $3,203-50.0% |