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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 | $39,289 | $41,016-4.2% | $152,093-74.2% | $64,097-38.7% |
| Participation rate | 63.0% | 51.3%+11.7pp | 77.8%-14.7pp | 55.2%+7.9pp |
| Annual return | 16.97% | 39.60%-22.6pp | 66.36%-49.4pp | 34.64%-17.7pp |
| Employer contribution / active EE | $1,555 | $1,342+15.9% | $4,175-62.7% | $1,891-17.8% |
| Participant deferral / active EE | $2,574 | $1,927+33.5% | $5,451-52.8% | $3,080-16.4% |
| Admin fee / account holder | $2,123 | $2,305-7.9% | $14,497-85.4% | $3,454-38.6% |