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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 | $39,281 | $91,474-57.1% | $135,982-71.1% | $71,529-45.1% |
| Participation rate | 66.9% | 75.7%-8.7pp | 81.9%-15.0pp | 67.9%-1.0pp |
| Annual return | 33.56% | 29.89%+3.7pp | 68.32%-34.8pp | 28.97%+4.6pp |
| Employer contribution / active EE | $5,715 | $3,705+54.2% | $4,859+17.6% | $2,590+120.7% |
| Participant deferral / active EE | $3,511 | $7,095-50.5% | $7,760-54.8% | $4,291-18.2% |
| Admin fee / account holder | $1,466 | $1,267+15.7% | $10,767-86.4% | $1,588-7.7% |