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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 | $28,230 | $43,730-35.4% | $66,674-57.7% | $64,097-56.0% |
| Participation rate | 60.1% | 50.7%+9.4pp | 73.7%-13.5pp | 55.2%+5.0pp |
| Annual return | 10.78% | 53.62%-42.8pp | 321.24%-310.5pp | 34.64%-23.9pp |
| Employer contribution / active EE | $1,616 | $1,673-3.4% | $2,620-38.3% | $1,891-14.6% |
| Participant deferral / active EE | $2,605 | $2,122+22.8% | $4,084-36.2% | $3,080-15.4% |
| Admin fee / account holder | $3,094 | $2,708+14.3% | $5,098-39.3% | $3,454-10.4% |