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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 | $44,482 | $45,343-1.9% | $150,298-70.4% | $67,986-34.6% |
| Participation rate | 54.0% | 51.9%+2.1pp | 77.8%-23.8pp | 57.2%-3.2pp |
| Annual return | 21.08% | 33.28%-12.2pp | 62.79%-41.7pp | 31.67%-10.6pp |
| Employer contribution / active EE | $1,464 | $1,462+0.1% | $4,154-64.8% | $2,019-27.5% |
| Participant deferral / active EE | $3,125 | $2,055+52.1% | $5,453-42.7% | $3,358-6.9% |
| Admin fee / account holder | $1,395 | $2,250-38.0% | $14,116-90.1% | $3,203-56.4% |