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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 | $29,672 | $80,781-63.3% | $102,437-71.0% | $74,478-60.2% |
| Participation rate | 69.2% | 65.7%+3.5pp | 74.5%-5.3pp | 67.2%+2.0pp |
| Annual return | 23.34% | 27.58%-4.2pp | 24.95%-1.6pp | 1370.56%-1347.2pp |
| Employer contribution / active EE | $3,018 | $3,160-4.5% | $3,871-22.0% | $2,626+14.9% |
| Participant deferral / active EE | $4,644 | $3,862+20.2% | $5,060-8.2% | $4,350+6.7% |
| Admin fee / account holder | $1,335 | $2,372-43.7% | $8,388-84.1% | $1,946-31.4% |