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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 | $37,173 | $93,598-60.3% | $135,974-72.7% | $75,173-50.6% |
| Participation rate | 69.6% | 75.2%-5.6pp | 81.9%-12.4pp | 67.2%+2.4pp |
| Annual return | 27.47% | 30.89%-3.4pp | 68.30%-40.8pp | 160.72%-133.2pp |
| Employer contribution / active EE | $3,821 | $3,538+8.0% | $4,859-21.4% | $2,671+43.1% |
| Participant deferral / active EE | $6,841 | $6,405+6.8% | $7,760-11.8% | $4,126+65.8% |
| Admin fee / account holder | $5,359 | $6,978-23.2% | $10,767-50.2% | $5,651-5.2% |