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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 | $75,058-45.4% | $152,301-73.1% | $64,340-36.3% |
| Participation rate | 60.5% | 60.9%-0.4pp | 82.4%-22.0pp | 55.2%+5.2pp |
| Annual return | 22.02% | 29.93%-7.9pp | 80.50%-58.5pp | 24.14%-2.1pp |
| Employer contribution / active EE | $2,656 | $2,605+2.0% | $4,624-42.6% | $1,862+42.7% |
| Participant deferral / active EE | $5,494 | $5,041+9.0% | $8,004-31.4% | $2,980+84.3% |
| Admin fee / account holder | $1,336 | $4,050-67.0% | $14,398-90.7% | $3,703-63.9% |