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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 | $39,713 | $79,867-50.3% | $120,344-67.0% | $64,340-38.3% |
| Participation rate | 67.2% | 63.0%+4.2pp | 76.7%-9.6pp | 55.2%+11.9pp |
| Annual return | 16.86% | 21.10%-4.2pp | 20.30%-3.4pp | 24.14%-7.3pp |
| Employer contribution / active EE | $2,091 | $1,925+8.6% | $3,020-30.8% | $1,862+12.3% |
| Participant deferral / active EE | $3,655 | $3,593+1.7% | $5,135-28.8% | $2,980+22.6% |
| Admin fee / account holder | $1,408 | $5,039-72.1% | $12,742-88.9% | $3,703-62.0% |