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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 | $52,913 | $85,515-38.1% | $112,040-52.8% | $67,986-22.2% |
| Participation rate | 67.9% | 68.2%-0.4pp | 76.5%-8.6pp | 57.2%+10.6pp |
| Annual return | 13.86% | 29.68%-15.8pp | 24.52%-10.7pp | 31.67%-17.8pp |
| Employer contribution / active EE | $1,414 | $2,191-35.4% | $2,954-52.1% | $2,019-29.9% |
| Participant deferral / active EE | $3,239 | $4,014-19.3% | $5,098-36.5% | $3,358-3.5% |
| Admin fee / account holder | $4,920 | $3,774+30.4% | $12,098-59.3% | $3,203+53.6% |