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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 | $56,527 | $81,334-30.5% | $113,397-50.2% | $64,097-11.8% |
| Participation rate | 65.8% | 65.6%+0.1pp | 76.5%-10.7pp | 55.2%+10.6pp |
| Annual return | 15.93% | 32.50%-16.6pp | 23.20%-7.3pp | 34.64%-18.7pp |
| Employer contribution / active EE | $967 | $2,077-53.4% | $2,977-67.5% | $1,891-48.9% |
| Participant deferral / active EE | $2,429 | $3,795-36.0% | $5,076-52.2% | $3,080-21.1% |
| Admin fee / account holder | $1,343 | $4,208-68.1% | $11,957-88.8% | $3,454-61.1% |