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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 | $42,278 | $83,369-49.3% | $105,223-59.8% | $67,986-37.8% |
| Participation rate | 63.2% | 56.3%+6.9pp | 75.0%-11.8pp | 57.2%+6.0pp |
| Annual return | 21.71% | 24.64%-2.9pp | 180.65%-158.9pp | 31.67%-10.0pp |
| Employer contribution / active EE | $2,785 | $2,541+9.6% | $3,689-24.5% | $2,019+37.9% |
| Participant deferral / active EE | $6,066 | $3,295+84.1% | $5,072+19.6% | $3,358+80.6% |
| Admin fee / account holder | $6,043 | $4,073+48.4% | $8,859-31.8% | $3,203+88.7% |