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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 | $21,100 | $47,105-55.2% | $68,368-69.1% | $67,986-69.0% |
| Participation rate | 61.2% | 51.8%+9.4pp | 73.8%-12.5pp | 57.2%+4.0pp |
| Annual return | 23.94% | 48.37%-24.4pp | 292.57%-268.6pp | 31.67%-7.7pp |
| Employer contribution / active EE | $2,418 | $1,859+30.1% | $2,649-8.7% | $2,019+19.8% |
| Participant deferral / active EE | $2,833 | $2,374+19.3% | $4,123-31.3% | $3,358-15.6% |
| Admin fee / account holder | $362 | $2,435-85.2% | $5,150-93.0% | $3,203-88.7% |