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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 | $30,825 | $45,343-32.0% | $150,298-79.5% | $67,986-54.7% |
| Participation rate | 46.9% | 51.9%-5.0pp | 77.8%-30.9pp | 57.2%-10.3pp |
| Annual return | 10.43% | 33.28%-22.8pp | 62.79%-52.4pp | 31.67%-21.2pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,755 | $2,055+34.1% | $5,453-49.5% | $3,358-18.0% |
| Admin fee / account holder | $2,337 | $2,250+3.9% | $14,116-83.4% | $3,203-27.0% |