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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 | $48,439 | $59,456-18.5% | $93,669-48.3% | $74,429-34.9% |
| Participation rate | 69.2% | 59.6%+9.6pp | 68.7%+0.5pp | 67.2%+2.0pp |
| Annual return | 9.25% | 82.00%-72.8pp | 133.59%-124.3pp | 1368.38%-1359.1pp |
| Employer contribution / active EE | $370 | $1,266-70.8% | $2,424-84.7% | $2,625-85.9% |
| Participant deferral / active EE | $3,096 | $3,052+1.5% | $4,416-29.9% | $4,348-28.8% |
| Admin fee / account holder | $393 | $3,026-87.0% | $8,291-95.3% | $1,944-79.8% |