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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 | $42,115 | $64,705-34.9% | $62,929-33.1% | $67,986-38.1% |
| Participation rate | 64.3% | 65.6%-1.3pp | 73.1%-8.8pp | 57.2%+7.1pp |
| Annual return | 9.36% | 20.31%-11.0pp | 1063.93%-1054.6pp | 31.67%-22.3pp |
| Employer contribution / active EE | $2,451 | $2,376+3.2% | $2,505-2.1% | $2,019+21.4% |
| Participant deferral / active EE | $1,329 | $3,198-58.4% | $3,888-65.8% | $3,358-60.4% |
| Admin fee / account holder | $5,601 | $1,428+292.2% | $5,065+10.6% | $3,203+74.9% |