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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 | $87,465-35.4% | $122,979-54.0% | $65,306-13.4% |
| Participation rate | 65.8% | 66.0%-0.3pp | 77.2%-11.4pp | 57.7%+8.1pp |
| Annual return | 15.93% | 19.76%-3.8pp | 20.12%-4.2pp | 21.94%-6.0pp |
| Employer contribution / active EE | $967 | $2,156-55.1% | $3,062-68.4% | $1,967-50.8% |
| Participant deferral / active EE | $2,429 | $3,705-34.5% | $5,003-51.5% | $2,959-17.9% |
| Admin fee / account holder | $1,343 | $5,100-73.7% | $12,864-89.6% | $3,480-61.4% |