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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 | $46,598 | $85,515-45.5% | $112,040-58.4% | $67,986-31.5% |
| Participation rate | 59.0% | 68.2%-9.2pp | 76.5%-17.5pp | 57.2%+1.8pp |
| Annual return | 26.82% | 29.68%-2.9pp | 24.52%+2.3pp | 31.67%-4.8pp |
| Employer contribution / active EE | $2,550 | $2,191+16.4% | $2,954-13.7% | $2,019+26.3% |
| Participant deferral / active EE | $3,851 | $4,014-4.1% | $5,098-24.5% | $3,358+14.7% |
| Admin fee / account holder | $3,215 | $3,774-14.8% | $12,098-73.4% | $3,203+0.4% |