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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 | $38,381 | $65,246-41.2% | $98,716-61.1% | $67,986-43.5% |
| Participation rate | 57.7% | 51.4%+6.2pp | 69.3%-11.6pp | 57.2%+0.5pp |
| Annual return | 26.56% | 20.58%+6.0pp | 31.81%-5.2pp | 31.67%-5.1pp |
| Employer contribution / active EE | $2,454 | $1,042+135.5% | $2,279+7.7% | $2,019+21.5% |
| Participant deferral / active EE | $4,324 | $2,594+66.7% | $4,048+6.8% | $3,358+28.8% |
| Admin fee / account holder | $2,123 | $4,561-53.4% | $8,703-75.6% | $3,203-33.7% |