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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 | $16,381 | $45,312-63.8% | $86,233-81.0% | $67,986-75.9% |
| Participation rate | 56.8% | 42.4%+14.3pp | 69.0%-12.3pp | 57.2%-0.5pp |
| Annual return | 44.64% | 24.79%+19.9pp | 61.39%-16.7pp | 31.67%+13.0pp |
| Employer contribution / active EE | $1,266 | $1,160+9.2% | $2,504-49.4% | $2,019-37.3% |
| Participant deferral / active EE | $2,289 | $2,185+4.8% | $4,559-49.8% | $3,358-31.8% |
| Admin fee / account holder | $2,633 | $3,295-20.1% | $8,342-68.4% | $3,203-17.8% |