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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 | $47,105-40.1% | $68,368-58.7% | $67,986-58.5% |
| Participation rate | 60.1% | 51.8%+8.4pp | 73.8%-13.6pp | 57.2%+2.9pp |
| Annual return | 10.78% | 48.37%-37.6pp | 292.57%-281.8pp | 31.67%-20.9pp |
| Employer contribution / active EE | $1,616 | $1,859-13.0% | $2,649-39.0% | $2,019-19.9% |
| Participant deferral / active EE | $2,605 | $2,374+9.7% | $4,123-36.8% | $3,358-22.4% |
| Admin fee / account holder | $3,094 | $2,435+27.1% | $5,150-39.9% | $3,203-3.4% |