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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 | $37,000 | $76,112-51.4% | $96,534-61.7% | $71,511-48.3% |
| Participation rate | 66.0% | 74.4%-8.4pp | 76.0%-10.0pp | 67.9%-1.9pp |
| Annual return | 12.94% | 22.81%-9.9pp | 25.88%-12.9pp | 28.86%-15.9pp |
| Employer contribution / active EE | $1,768 | $2,248-21.4% | $2,965-40.4% | $2,589-31.7% |
| Participant deferral / active EE | $3,053 | $4,217-27.6% | $4,851-37.1% | $4,291-28.9% |
| Admin fee / account holder | $6,777 | $2,708+150.2% | $8,253-17.9% | $1,588+326.6% |