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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 | $69,154 | $80,705-14.3% | $115,768-40.3% | $67,986+1.7% |
| Participation rate | 65.9% | 63.0%+3.0pp | 74.4%-8.5pp | 57.2%+8.7pp |
| Annual return | 16.92% | 18.49%-1.6pp | 100.46%-83.5pp | 31.67%-14.7pp |
| Employer contribution / active EE | $2,809 | $2,046+37.3% | $2,940-4.5% | $2,019+39.1% |
| Participant deferral / active EE | $5,957 | $3,559+67.4% | $4,917+21.2% | $3,358+77.4% |
| Admin fee / account holder | $4,933 | $4,135+19.3% | $12,439-60.3% | $3,203+54.0% |