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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 | $54,477 | $93,598-41.8% | $135,974-59.9% | $75,173-27.5% |
| Participation rate | 61.2% | 75.2%-14.0pp | 81.9%-20.7pp | 67.2%-6.0pp |
| Annual return | 22.15% | 30.89%-8.7pp | 68.30%-46.2pp | 160.72%-138.6pp |
| Employer contribution / active EE | $3,871 | $3,538+9.4% | $4,859-20.3% | $2,671+44.9% |
| Participant deferral / active EE | $5,313 | $6,405-17.1% | $7,760-31.5% | $4,126+28.8% |
| Admin fee / account holder | $1,268 | $6,978-81.8% | $10,767-88.2% | $5,651-77.6% |