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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 | $30,774 | $89,652-65.7% | $141,177-78.2% | $65,185-52.8% |
| Participation rate | 66.1% | 74.7%-8.7pp | 82.5%-16.4pp | 70.2%-4.1pp |
| Annual return | 29.53% | 32.79%-3.3pp | 71.40%-41.9pp | 29.38%+0.1pp |
| Employer contribution / active EE | $2,560 | $3,065-16.5% | $4,736-45.9% | $2,177+17.6% |
| Participant deferral / active EE | $7,016 | $5,691+23.3% | $6,710+4.6% | $3,514+99.7% |
| Admin fee / account holder | $2,828 | $569+397.5% | $10,263-72.4% | $847+233.9% |