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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 | $85,639 | $91,439-6.3% | $135,974-37.0% | $71,511+19.8% |
| Participation rate | 67.8% | 75.7%-7.8pp | 81.9%-14.1pp | 67.9%-0.1pp |
| Annual return | 22.89% | 29.90%-7.0pp | 68.30%-45.4pp | 28.86%-6.0pp |
| Employer contribution / active EE | $1,708 | $3,705-53.9% | $4,859-64.8% | $2,589-34.0% |
| Participant deferral / active EE | $5,575 | $7,093-21.4% | $7,760-28.2% | $4,291+29.9% |
| Admin fee / account holder | $2,422 | $1,267+91.2% | $10,767-77.5% | $1,588+52.5% |