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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 | $44,245 | $80,748-45.2% | $102,383-56.8% | $74,429-40.6% |
| Participation rate | 58.1% | 65.7%-7.6pp | 74.5%-16.4pp | 67.2%-9.1pp |
| Annual return | 9.35% | 27.57%-18.2pp | 24.94%-15.6pp | 1368.38%-1359.0pp |
| Employer contribution / active EE | $1,906 | $3,159-39.7% | $3,870-50.8% | $2,625-27.4% |
| Participant deferral / active EE | $3,647 | $3,861-5.5% | $5,060-27.9% | $4,348-16.1% |
| Admin fee / account holder | $14,305 | $2,371+503.4% | $8,391+70.5% | $1,944+635.8% |