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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 | $36,080 | $58,048-37.8% | $94,215-61.7% | $65,306-44.8% |
| Participation rate | 67.4% | 45.3%+22.1pp | 70.0%-2.5pp | 57.7%+9.8pp |
| Annual return | 16.21% | 19.61%-3.4pp | 28.22%-12.0pp | 21.94%-5.7pp |
| Employer contribution / active EE | $391 | $1,427-72.6% | $2,675-85.4% | $1,967-80.1% |
| Participant deferral / active EE | $1,568 | $2,407-34.8% | $4,276-63.3% | $2,959-47.0% |
| Admin fee / account holder | $2,287 | $4,610-50.4% | $10,216-77.6% | $3,480-34.3% |