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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 | $81,334-34.9% | $113,397-53.3% | $64,097-17.4% |
| Participation rate | 67.9% | 65.6%+2.2pp | 76.5%-8.6pp | 55.2%+12.7pp |
| Annual return | 13.86% | 32.50%-18.6pp | 23.20%-9.3pp | 34.64%-20.8pp |
| Employer contribution / active EE | $1,414 | $2,077-31.9% | $2,977-52.5% | $1,891-25.2% |
| Participant deferral / active EE | $3,239 | $3,795-14.7% | $5,076-36.2% | $3,080+5.2% |
| Admin fee / account holder | $4,920 | $4,208+16.9% | $11,957-58.9% | $3,454+42.4% |