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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 | $23,469 | $51,283-54.2% | $95,759-75.5% | $71,529-67.2% |
| Participation rate | 63.2% | 63.1%+0.1pp | 72.3%-9.1pp | 67.9%-4.8pp |
| Annual return | 53.28% | 25.25%+28.0pp | 28.42%+24.9pp | 28.97%+24.3pp |
| Employer contribution / active EE | $2,613 | $1,817+43.8% | $2,836-7.9% | $2,590+0.9% |
| Participant deferral / active EE | $5,298 | $3,365+57.5% | $4,244+24.9% | $4,291+23.5% |
| Admin fee / account holder | $1,980 | $1,135+74.5% | $5,678-65.1% | $1,588+24.7% |