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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 | $45,900-17.5% | $94,057-59.8% | $64,340-41.2% |
| Participation rate | 52.4% | 50.6%+1.9pp | 73.3%-20.9pp | 55.2%-2.8pp |
| Annual return | 11.15% | 50.47%-39.3pp | 480.62%-469.5pp | 24.14%-13.0pp |
| Employer contribution / active EE | $774 | $1,612-52.0% | $2,933-73.6% | $1,862-58.4% |
| Participant deferral / active EE | $2,369 | $2,102+12.7% | $4,709-49.7% | $2,980-20.5% |
| Admin fee / account holder | $3,342 | $3,143+6.3% | $7,244-53.9% | $3,703-9.7% |