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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 | $33,488 | $51,166-34.6% | $70,544-52.5% | $71,511-53.2% |
| Participation rate | 68.4% | 59.4%+9.0pp | 68.4%0pp | 67.9%+0.4pp |
| Annual return | 16.11% | 42.71%-26.6pp | 32.79%-16.7pp | 28.86%-12.7pp |
| Employer contribution / active EE | $1,897 | $1,793+5.8% | $2,976-36.2% | $2,589-26.7% |
| Participant deferral / active EE | $4,578 | $3,031+51.1% | $4,568+0.2% | $4,291+6.7% |
| Admin fee / account holder | $6,388 | $2,000+219.4% | $6,427-0.6% | $1,588+302.1% |