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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 | $19,842 | $76,642-74.1% | $146,866-86.5% | $65,306-69.6% |
| Participation rate | 63.8% | 61.2%+2.6pp | 82.5%-18.7pp | 57.7%+6.1pp |
| Annual return | 29.15% | 33.40%-4.2pp | 102.85%-73.7pp | 21.94%+7.2pp |
| Employer contribution / active EE | $1,905 | $2,621-27.3% | $4,425-56.9% | $1,967-3.1% |
| Participant deferral / active EE | $2,515 | $4,864-48.3% | $7,759-67.6% | $2,959-15.0% |
| Admin fee / account holder | $736 | $3,960-81.4% | $13,620-94.6% | $3,480-78.8% |