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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 | $41,016-41.3% | $152,093-84.2% | $64,097-62.4% |
| Participation rate | 63.8% | 51.3%+12.5pp | 77.8%-13.9pp | 55.2%+8.7pp |
| Annual return | 19.86% | 39.60%-19.7pp | 66.36%-46.5pp | 34.64%-14.8pp |
| Employer contribution / active EE | $1,324 | $1,342-1.4% | $4,175-68.3% | $1,891-30.0% |
| Participant deferral / active EE | $2,372 | $1,927+23.1% | $5,451-56.5% | $3,080-23.0% |
| Admin fee / account holder | $3,384 | $2,305+46.8% | $14,497-76.7% | $3,454-2.0% |