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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 | $57,532 | $45,343+26.9% | $150,298-61.7% | $67,986-15.4% |
| Participation rate | 52.4% | 51.9%+0.6pp | 77.8%-25.3pp | 57.2%-4.8pp |
| Annual return | 17.79% | 33.28%-15.5pp | 62.79%-45.0pp | 31.67%-13.9pp |
| Employer contribution / active EE | $1,123 | $1,462-23.2% | $4,154-73.0% | $2,019-44.4% |
| Participant deferral / active EE | $4,403 | $2,055+114.3% | $5,453-19.2% | $3,358+31.1% |
| Admin fee / account holder | $4,058 | $2,250+80.3% | $14,116-71.3% | $3,203+26.7% |