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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 | $37,854 | $47,105-19.6% | $68,368-44.6% | $67,986-44.3% |
| Participation rate | 52.4% | 51.8%+0.7pp | 73.8%-21.3pp | 57.2%-4.8pp |
| Annual return | 11.15% | 48.37%-37.2pp | 292.57%-281.4pp | 31.67%-20.5pp |
| Employer contribution / active EE | $774 | $1,859-58.3% | $2,649-70.8% | $2,019-61.7% |
| Participant deferral / active EE | $2,369 | $2,374-0.2% | $4,123-42.5% | $3,358-29.5% |
| Admin fee / account holder | $3,342 | $2,435+37.2% | $5,150-35.1% | $3,203+4.3% |