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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 | $40,899 | $76,107-46.3% | $96,576-57.7% | $71,495-42.8% |
| Participation rate | 66.7% | 74.4%-7.7pp | 76.0%-9.3pp | 67.9%-1.3pp |
| Annual return | 19.03% | 22.81%-3.8pp | 25.87%-6.8pp | 28.85%-9.8pp |
| Employer contribution / active EE | $1,550 | $2,247-31.0% | $2,965-47.7% | $2,589-40.2% |
| Participant deferral / active EE | $5,636 | $4,218+33.6% | $4,851+16.2% | $4,291+31.4% |
| Admin fee / account holder | $4,625 | $2,708+70.8% | $8,253-44.0% | $1,588+191.3% |