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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 | $25,207 | $48,050-47.5% | $96,754-73.9% | $64,340-60.8% |
| Participation rate | 57.4% | 40.6%+16.9pp | 70.3%-12.8pp | 55.2%+2.2pp |
| Annual return | 21.07% | 23.41%-2.3pp | 82.04%-61.0pp | 24.14%-3.1pp |
| Employer contribution / active EE | $1,920 | $1,204+59.5% | $2,679-28.3% | $1,862+3.1% |
| Participant deferral / active EE | $4,853 | $2,191+121.5% | $4,758+2.0% | $2,980+62.8% |
| Admin fee / account holder | $4,279 | $3,741+14.4% | $8,905-51.9% | $3,703+15.6% |