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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 | $24,087 | $45,343-46.9% | $150,298-84.0% | $67,986-64.6% |
| Participation rate | 63.8% | 51.9%+12.0pp | 77.8%-13.9pp | 57.2%+6.6pp |
| Annual return | 19.86% | 33.28%-13.4pp | 62.79%-42.9pp | 31.67%-11.8pp |
| Employer contribution / active EE | $1,324 | $1,462-9.4% | $4,154-68.1% | $2,019-34.4% |
| Participant deferral / active EE | $2,372 | $2,055+15.5% | $5,453-56.5% | $3,358-29.4% |
| Admin fee / account holder | $3,384 | $2,250+50.4% | $14,116-76.0% | $3,203+5.7% |