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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 | $55,377 | $78,015-29.0% | $178,505-69.0% | $80,959-31.6% |
| Participation rate | 64.9% | 65.7%-0.8pp | 77.1%-12.2pp | 67.7%-2.8pp |
| Annual return | 39.20% | 18.10%+21.1pp | 27.16%+12.0pp | 35.67%+3.5pp |
| Employer contribution / active EE | $3,117 | $2,281+36.6% | $3,955-21.2% | $2,757+13.1% |
| Participant deferral / active EE | $3,948 | $4,406-10.4% | $6,280-37.1% | $4,300-8.2% |
| Admin fee / account holder | $1,652 | $7,160-76.9% | $10,428-84.2% | $6,925-76.1% |