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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 | $45,312-44.4% | $86,233-70.8% | $67,986-62.9% |
| Participation rate | 57.4% | 42.4%+15.0pp | 69.0%-11.6pp | 57.2%+0.2pp |
| Annual return | 21.07% | 24.79%-3.7pp | 61.39%-40.3pp | 31.67%-10.6pp |
| Employer contribution / active EE | $1,920 | $1,160+65.6% | $2,504-23.3% | $2,019-4.9% |
| Participant deferral / active EE | $4,853 | $2,185+122.1% | $4,559+6.4% | $3,358+44.5% |
| Admin fee / account holder | $4,279 | $3,295+29.9% | $8,342-48.7% | $3,203+33.6% |