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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $34,730 | $79,209-56.2% | $102,434-66.1% | $74,459-53.4% |
| Participation rate | 54.5% | 74.8%-20.3pp | 76.5%-22.0pp | 67.2%-12.7pp |
| Annual return | 10.45% | 54.98%-44.5pp | 29.46%-19.0pp | 1369.70%-1359.2pp |
| Employer contribution / active EE | $1,783 | $2,362-24.5% | $3,023-41.0% | $2,626-32.1% |
| Participant deferral / active EE | $3,217 | $4,417-27.2% | $5,055-36.4% | $4,350-26.0% |
| Admin fee / account holder | $3,408 | $2,002+70.2% | $9,462-64.0% | $1,945+75.2% |