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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 | $4,736 | $16,790-71.8% | $64,489-92.7% | $67,986-93.0% |
| Participation rate | 53.7% | 62.4%-8.7pp | 67.7%-14.0pp | 57.2%-3.5pp |
| Annual return | 15.60% | 30.55%-15.0pp | 55.03%-39.4pp | 31.67%-16.1pp |
| Employer contribution / active EE | $404 | $648-37.7% | $1,523-73.5% | $2,019-80.0% |
| Participant deferral / active EE | $940 | $1,510-37.8% | $2,778-66.2% | $3,358-72.0% |
| Admin fee / account holder | $766 | $1,690-54.7% | $4,260-82.0% | $3,203-76.1% |