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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 | $23,679 | $41,016-42.3% | $152,093-84.4% | $64,097-63.1% |
| Participation rate | 69.0% | 51.3%+17.7pp | 77.8%-8.7pp | 55.2%+13.9pp |
| Annual return | 22.41% | 39.60%-17.2pp | 66.36%-43.9pp | 34.64%-12.2pp |
| Employer contribution / active EE | $735 | $1,342-45.2% | $4,175-82.4% | $1,891-61.1% |
| Participant deferral / active EE | $3,358 | $1,927+74.2% | $5,451-38.4% | $3,080+9.0% |
| Admin fee / account holder | $2,480 | $2,305+7.6% | $14,497-82.9% | $3,454-28.2% |