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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 | $46,719 | $51,283-8.9% | $95,740-51.2% | $71,511-34.7% |
| Participation rate | 59.4% | 63.1%-3.7pp | 72.3%-12.9pp | 67.9%-8.6pp |
| Annual return | 20.54% | 25.25%-4.7pp | 28.41%-7.9pp | 28.86%-8.3pp |
| Employer contribution / active EE | $4,459 | $1,817+145.3% | $2,836+57.2% | $2,589+72.2% |
| Participant deferral / active EE | $6,055 | $3,365+80.0% | $4,244+42.7% | $4,291+41.1% |
| Admin fee / account holder | $3,835 | $1,135+237.9% | $5,676-32.4% | $1,588+141.4% |