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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 | $30,433 | $91,474-66.7% | $135,982-77.6% | $71,529-57.5% |
| Participation rate | 65.9% | 75.7%-9.8pp | 81.9%-16.0pp | 67.9%-2.0pp |
| Annual return | 40.35% | 29.89%+10.5pp | 68.32%-28.0pp | 28.97%+11.4pp |
| Employer contribution / active EE | $3,664 | $3,705-1.1% | $4,859-24.6% | $2,590+41.5% |
| Participant deferral / active EE | $12,340 | $7,095+73.9% | $7,760+59.0% | $4,291+187.6% |
| Admin fee / account holder | $2,477 | $1,267+95.5% | $10,767-77.0% | $1,588+55.9% |