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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 | $23,130 | $51,166-54.8% | $70,544-67.2% | $71,511-67.7% |
| Participation rate | 54.3% | 59.4%-5.1pp | 68.4%-14.1pp | 67.9%-13.6pp |
| Annual return | 29.41% | 42.71%-13.3pp | 32.79%-3.4pp | 28.86%+0.6pp |
| Employer contribution / active EE | $2,144 | $1,793+19.5% | $2,976-28.0% | $2,589-17.2% |
| Participant deferral / active EE | $3,564 | $3,031+17.6% | $4,568-22.0% | $4,291-16.9% |
| Admin fee / account holder | $2,532 | $2,000+26.6% | $6,427-60.6% | $1,588+59.4% |