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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 | $52,457 | $82,674-36.5% | $125,358-58.2% | $68,498-23.4% |
| Participation rate | 62.6% | 75.0%-12.4pp | 82.4%-19.7pp | 67.9%-5.3pp |
| Annual return | -21.18% | -5.97%-15.2pp | 572.03%-593.2pp | -7.84%-13.3pp |
| Employer contribution / active EE | $3,957 | $3,381+17.0% | $4,814-17.8% | $2,596+52.4% |
| Participant deferral / active EE | $7,958 | $6,111+30.2% | $7,447+6.9% | $4,027+97.6% |
| Admin fee / account holder | $4,192 | $6,276-33.2% | $10,007-58.1% | $5,403-22.4% |