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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 | $32,430 | $61,391-47.2% | $149,723-78.3% | $71,529-54.7% |
| Participation rate | 68.1% | 62.5%+5.6pp | 78.8%-10.7pp | 67.9%+0.2pp |
| Annual return | 21.61% | 35.88%-14.3pp | 134.50%-112.9pp | 28.97%-7.4pp |
| Employer contribution / active EE | $1,524 | $2,384-36.1% | $4,821-68.4% | $2,590-41.2% |
| Participant deferral / active EE | $4,690 | $2,921+60.6% | $5,682-17.5% | $4,291+9.3% |
| Admin fee / account holder | $854 | $1,264-32.5% | $13,215-93.5% | $1,588-46.3% |