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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 | $41,016+8.5% | $152,093-70.8% | $64,097-30.6% |
| Participation rate | 54.0% | 51.3%+2.6pp | 77.8%-23.8pp | 55.2%-1.2pp |
| Annual return | 21.08% | 39.60%-18.5pp | 66.36%-45.3pp | 34.64%-13.6pp |
| Employer contribution / active EE | $1,464 | $1,342+9.0% | $4,175-64.9% | $1,891-22.6% |
| Participant deferral / active EE | $3,125 | $1,927+62.1% | $5,451-42.7% | $3,080+1.5% |
| Admin fee / account holder | $1,395 | $2,305-39.5% | $14,497-90.4% | $3,454-59.6% |