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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 | $64,010-34.4% | $108,359-61.2% | $64,340-34.7% |
| Participation rate | 54.7% | 49.4%+5.4pp | 70.1%-15.4pp | 55.2%-0.5pp |
| Annual return | 20.58% | 19.74%+0.8pp | 36.89%-16.3pp | 24.14%-3.6pp |
| Employer contribution / active EE | $1,224 | $1,029+18.9% | $2,399-49.0% | $1,862-34.3% |
| Participant deferral / active EE | $2,382 | $2,395-0.6% | $4,137-42.4% | $2,980-20.1% |
| Admin fee / account holder | $615 | $4,885-87.4% | $9,741-93.7% | $3,703-83.4% |