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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 | $43,496-29.1% | $161,489-80.9% | $64,340-52.1% |
| Participation rate | 46.9% | 53.5%-6.7pp | 78.7%-31.8pp | 55.2%-8.4pp |
| Annual return | 10.43% | 20.76%-10.3pp | 89.72%-79.3pp | 24.14%-13.7pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,755 | $1,996+38.0% | $5,630-51.1% | $2,980-7.6% |
| Admin fee / account holder | $2,337 | $2,330+0.3% | $16,006-85.4% | $3,703-36.9% |