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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 | $80,781-45.2% | $102,437-56.8% | $74,478-40.6% |
| Participation rate | 58.1% | 65.7%-7.6pp | 74.5%-16.4pp | 67.2%-9.1pp |
| Annual return | 9.35% | 27.58%-18.2pp | 24.95%-15.6pp | 1370.56%-1361.2pp |
| Employer contribution / active EE | $1,906 | $3,160-39.7% | $3,871-50.8% | $2,626-27.4% |
| Participant deferral / active EE | $3,647 | $3,862-5.6% | $5,060-27.9% | $4,350-16.2% |
| Admin fee / account holder | $14,305 | $2,372+503.1% | $8,388+70.5% | $1,946+635.2% |