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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 | $48,586 | $70,917-31.5% | $98,920-50.9% | $73,497-33.9% |
| Participation rate | 69.0% | 73.8%-4.8pp | 76.0%-7.0pp | 70.7%-1.7pp |
| Annual return | 24.97% | 34.18%-9.2pp | 196.47%-171.5pp | 28.51%-3.5pp |
| Employer contribution / active EE | $2,270 | $2,037+11.4% | $2,689-15.6% | $2,2700% |
| Participant deferral / active EE | $4,284 | $3,501+22.4% | $4,245+0.9% | $3,740+14.5% |
| Admin fee / account holder | $1,751 | $535+227.5% | $6,643-73.6% | $513+241.4% |