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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 | $40,976 | $88,360-53.6% | $145,433-71.8% | $67,986-39.7% |
| Participation rate | 60.5% | 65.5%-5.0pp | 82.1%-21.6pp | 57.2%+3.3pp |
| Annual return | 22.02% | 63.15%-41.1pp | 66.58%-44.6pp | 31.67%-9.6pp |
| Employer contribution / active EE | $2,656 | $3,054-13.0% | $4,554-41.7% | $2,019+31.6% |
| Participant deferral / active EE | $5,494 | $5,932-7.4% | $7,897-30.4% | $3,358+63.6% |
| Admin fee / account holder | $1,336 | $3,313-59.7% | $13,129-89.8% | $3,203-58.3% |