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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 | $43,749-45.9% | $158,223-85.0% | $65,306-63.7% |
| Participation rate | 69.0% | 56.9%+12.2pp | 79.2%-10.2pp | 57.7%+11.4pp |
| Annual return | 22.41% | 19.41%+3.0pp | 52.09%-29.7pp | 21.94%+0.5pp |
| Employer contribution / active EE | $735 | $1,497-50.9% | $4,109-82.1% | $1,967-62.6% |
| Participant deferral / active EE | $3,358 | $2,019+66.3% | $5,467-38.6% | $2,959+13.5% |
| Admin fee / account holder | $2,480 | $1,930+28.5% | $16,047-84.5% | $3,480-28.7% |