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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 | $85,515-53.6% | $112,040-64.6% | $67,986-41.6% |
| Participation rate | 67.2% | 68.2%-1.1pp | 76.5%-9.3pp | 57.2%+9.9pp |
| Annual return | 16.86% | 29.68%-12.8pp | 24.52%-7.7pp | 31.67%-14.8pp |
| Employer contribution / active EE | $2,091 | $2,191-4.6% | $2,954-29.2% | $2,019+3.6% |
| Participant deferral / active EE | $3,655 | $4,014-8.9% | $5,098-28.3% | $3,358+8.8% |
| Admin fee / account holder | $1,408 | $3,774-62.7% | $12,098-88.4% | $3,203-56.0% |