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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 | $45,110 | $34,932+29.1% | $56,441-20.1% | $74,546-39.5% |
| Participation rate | 46.7% | 32.9%+13.8pp | 52.5%-5.8pp | 67.2%-20.5pp |
| Annual return | 10.53% | 24.90%-14.4pp | 1704.21%-1693.7pp | 1366.03%-1355.5pp |
| Employer contribution / active EE | $707 | $608+16.1% | $1,039-32.0% | $2,624-73.1% |
| Participant deferral / active EE | $1,134 | $1,173-3.3% | $1,953-41.9% | $4,347-73.9% |
| Admin fee / account holder | $2,586 | $2,359+9.6% | $2,829-8.6% | $1,944+33.0% |