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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 | $24,971 | $41,016-39.1% | $152,093-83.6% | $64,097-61.0% |
| Participation rate | 54.5% | 51.3%+3.1pp | 77.8%-23.3pp | 55.2%-0.7pp |
| Annual return | 22.99% | 39.60%-16.6pp | 66.36%-43.4pp | 34.64%-11.7pp |
| Employer contribution / active EE | $1,784 | $1,342+32.9% | $4,175-57.3% | $1,891-5.7% |
| Participant deferral / active EE | $3,669 | $1,927+90.3% | $5,451-32.7% | $3,080+19.1% |
| Admin fee / account holder | $2,908 | $2,305+26.1% | $14,497-79.9% | $3,454-15.8% |