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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 | $65,072-35.3% | $66,439-36.6% | $65,306-35.5% |
| Participation rate | 64.3% | 69.1%-4.7pp | 74.5%-10.2pp | 57.7%+6.7pp |
| Annual return | 9.36% | 21.50%-12.1pp | 757.66%-748.3pp | 21.94%-12.6pp |
| Employer contribution / active EE | $2,451 | $2,475-1.0% | $2,637-7.0% | $1,967+24.6% |
| Participant deferral / active EE | $1,329 | $3,234-58.9% | $3,876-65.7% | $2,959-55.1% |
| Admin fee / account holder | $5,601 | $1,323+323.3% | $6,173-9.3% | $3,480+61.0% |