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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 | $17,794 | $45,123-60.6% | $85,240-79.1% | $74,478-76.1% |
| Participation rate | 57.7% | 49.4%+8.4pp | 67.5%-9.8pp | 67.2%-9.5pp |
| Annual return | 10.48% | 26.32%-15.8pp | 66.75%-56.3pp | 1370.56%-1360.1pp |
| Employer contribution / active EE | $1,120 | $1,459-23.2% | $2,735-59.0% | $2,626-57.3% |
| Participant deferral / active EE | $1,536 | $2,736-43.9% | $4,527-66.1% | $4,350-64.7% |
| Admin fee / account holder | $643 | $2,215-71.0% | $6,165-89.6% | $1,946-66.9% |