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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 | $52,031 | $88,360-41.1% | $145,433-64.2% | $67,986-23.5% |
| Participation rate | 67.1% | 65.5%+1.6pp | 82.1%-15.0pp | 57.2%+9.9pp |
| Annual return | 41.53% | 63.15%-21.6pp | 66.58%-25.0pp | 31.67%+9.9pp |
| Employer contribution / active EE | $2,571 | $3,054-15.8% | $4,554-43.6% | $2,019+27.4% |
| Participant deferral / active EE | $7,935 | $5,932+33.8% | $7,897+0.5% | $3,358+136.3% |
| Admin fee / account holder | $3,486 | $3,313+5.2% | $13,129-73.4% | $3,203+8.8% |