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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 | $93,345 | $80,731+15.6% | $103,374-9.7% | $74,546+25.2% |
| Participation rate | 49.7% | 65.7%-16.0pp | 74.5%-24.8pp | 67.2%-17.5pp |
| Annual return | 20.51% | 27.56%-7.1pp | 24.89%-4.4pp | 1366.03%-1345.5pp |
| Employer contribution / active EE | $955 | $3,158-69.7% | $3,869-75.3% | $2,624-63.6% |
| Participant deferral / active EE | $6,182 | $3,860+60.1% | $5,058+22.2% | $4,347+42.2% |
| Admin fee / account holder | $1,186 | $2,369-49.9% | $8,394-85.9% | $1,944-39.0% |