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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 | $42,004 | $67,638-37.9% | $133,346-68.5% | $69,733-39.8% |
| Participation rate | 54.7% | 54.3%+0.5pp | 72.8%-18.1pp | 62.5%-7.7pp |
| Annual return | 20.58% | 13.38%+7.2pp | 36.85%-16.3pp | 15.22%+5.4pp |
| Employer contribution / active EE | $1,224 | $1,177+3.9% | $2,853-57.1% | $2,250-45.6% |
| Participant deferral / active EE | $2,382 | $2,567-7.2% | $4,332-45.0% | $3,054-22.0% |
| Admin fee / account holder | $615 | $4,814-87.2% | $14,264-95.7% | $3,102-80.2% |