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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 | $44,788 | $56,423-20.6% | $77,183-42.0% | $71,495-37.4% |
| Participation rate | 62.9% | 64.3%-1.4pp | 69.6%-6.7pp | 67.9%-5.0pp |
| Annual return | 21.75% | 19.05%+2.7pp | 37.89%-16.1pp | 28.85%-7.1pp |
| Employer contribution / active EE | $1,672 | $1,866-10.4% | $2,534-34.0% | $2,589-35.4% |
| Participant deferral / active EE | $3,104 | $3,142-1.2% | $3,833-19.0% | $4,291-27.7% |
| Admin fee / account holder | $675 | $1,429-52.8% | $5,475-87.7% | $1,588-57.5% |