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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 | $37,914 | $85,515-55.7% | $112,040-66.2% | $67,986-44.2% |
| Participation rate | 56.7% | 68.2%-11.5pp | 76.5%-19.8pp | 57.2%-0.5pp |
| Annual return | 23.50% | 29.68%-6.2pp | 24.52%-1.0pp | 31.67%-8.2pp |
| Employer contribution / active EE | $3,146 | $2,191+43.6% | $2,954+6.5% | $2,019+55.8% |
| Participant deferral / active EE | $4,996 | $4,014+24.5% | $5,098-2.0% | $3,358+48.8% |
| Admin fee / account holder | $5,043 | $3,774+33.7% | $12,098-58.3% | $3,203+57.5% |