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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 | $24,889 | $76,642-67.5% | $146,866-83.1% | $65,306-61.9% |
| Participation rate | 65.7% | 61.2%+4.4pp | 82.5%-16.8pp | 57.7%+8.0pp |
| Annual return | 21.03% | 33.40%-12.4pp | 102.85%-81.8pp | 21.94%-0.9pp |
| Employer contribution / active EE | $2,021 | $2,621-22.9% | $4,425-54.3% | $1,967+2.7% |
| Participant deferral / active EE | $4,503 | $4,864-7.4% | $7,759-42.0% | $2,959+52.2% |
| Admin fee / account holder | $2,567 | $3,960-35.2% | $13,620-81.2% | $3,480-26.2% |