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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 | $45,343-47.8% | $150,298-84.2% | $67,986-65.2% |
| Participation rate | 69.0% | 51.9%+17.2pp | 77.8%-8.7pp | 57.2%+11.8pp |
| Annual return | 22.41% | 33.28%-10.9pp | 62.79%-40.4pp | 31.67%-9.3pp |
| Employer contribution / active EE | $735 | $1,462-49.7% | $4,154-82.3% | $2,019-63.6% |
| Participant deferral / active EE | $3,358 | $2,055+63.4% | $5,453-38.4% | $3,3580% |
| Admin fee / account holder | $2,480 | $2,250+10.2% | $14,116-82.4% | $3,203-22.6% |