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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 | $45,266-37.6% | $103,693-72.8% | $65,306-56.8% |
| Participation rate | 60.1% | 53.3%+6.8pp | 72.6%-12.5pp | 57.7%+2.5pp |
| Annual return | 10.78% | 25.10%-14.3pp | 47.61%-36.8pp | 21.94%-11.2pp |
| Employer contribution / active EE | $1,616 | $1,765-8.5% | $2,920-44.7% | $1,967-17.8% |
| Participant deferral / active EE | $2,605 | $2,099+24.1% | $4,579-43.1% | $2,959-12.0% |
| Admin fee / account holder | $3,094 | $3,221-4.0% | $7,858-60.6% | $3,480-11.1% |