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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 | $64,010-40.0% | $108,359-64.6% | $64,340-40.3% |
| Participation rate | 57.7% | 49.4%+8.3pp | 70.1%-12.5pp | 55.2%+2.4pp |
| Annual return | 26.56% | 19.74%+6.8pp | 36.89%-10.3pp | 24.14%+2.4pp |
| Employer contribution / active EE | $2,454 | $1,029+138.5% | $2,399+2.3% | $1,862+31.8% |
| Participant deferral / active EE | $4,324 | $2,395+80.5% | $4,137+4.5% | $2,980+45.1% |
| Admin fee / account holder | $2,123 | $4,885-56.5% | $9,741-78.2% | $3,703-42.7% |