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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 | $18,240 | $45,343-59.8% | $150,298-87.9% | $67,986-73.2% |
| Participation rate | 54.5% | 51.9%+2.7pp | 77.8%-23.2pp | 57.2%-2.7pp |
| Annual return | 24.71% | 33.28%-8.6pp | 62.79%-38.1pp | 31.67%-7.0pp |
| Employer contribution / active EE | $926 | $1,462-36.6% | $4,154-77.7% | $2,019-54.1% |
| Participant deferral / active EE | $2,143 | $2,055+4.3% | $5,453-60.7% | $3,358-36.2% |
| Admin fee / account holder | $2,118 | $2,250-5.9% | $14,116-85.0% | $3,203-33.9% |