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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 | $40,835 | $88,360-53.8% | $145,433-71.9% | $67,986-39.9% |
| Participation rate | 68.1% | 65.5%+2.6pp | 82.1%-14.1pp | 57.2%+10.8pp |
| Annual return | 14.53% | 63.15%-48.6pp | 66.58%-52.0pp | 31.67%-17.1pp |
| Employer contribution / active EE | $2,188 | $3,054-28.4% | $4,554-52.0% | $2,019+8.4% |
| Participant deferral / active EE | $4,471 | $5,932-24.6% | $7,897-43.4% | $3,358+33.1% |
| Admin fee / account holder | $1,719 | $3,313-48.1% | $13,129-86.9% | $3,203-46.3% |