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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 | $81,334-42.7% | $113,397-58.9% | $64,097-27.3% |
| Participation rate | 59.0% | 65.6%-6.6pp | 76.5%-17.5pp | 55.2%+3.8pp |
| Annual return | 26.82% | 32.50%-5.7pp | 23.20%+3.6pp | 34.64%-7.8pp |
| Employer contribution / active EE | $2,550 | $2,077+22.8% | $2,977-14.4% | $1,891+34.8% |
| Participant deferral / active EE | $3,851 | $3,795+1.5% | $5,076-24.1% | $3,080+25.0% |
| Admin fee / account holder | $3,215 | $4,208-23.6% | $11,957-73.1% | $3,454-6.9% |