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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 | $49,847 | $56,438-11.7% | $76,872-35.2% | $71,511-30.3% |
| Participation rate | 66.1% | 64.3%+1.8pp | 69.6%-3.5pp | 67.9%-1.8pp |
| Annual return | 14.80% | 19.05%-4.2pp | 37.90%-23.1pp | 28.86%-14.1pp |
| Employer contribution / active EE | $1,408 | $1,864-24.4% | $2,533-44.4% | $2,589-45.6% |
| Participant deferral / active EE | $2,181 | $3,136-30.5% | $3,832-43.1% | $4,291-49.2% |
| Admin fee / account holder | $4,332 | $1,430+202.9% | $5,476-20.9% | $1,588+172.7% |