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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 | $34,979 | $66,275-47.2% | $163,379-78.6% | $64,097-45.4% |
| Participation rate | 35.1% | 54.1%-19.0pp | 76.8%-41.7pp | 55.2%-20.1pp |
| Annual return | 12.65% | 32.72%-20.1pp | 63.41%-50.8pp | 34.64%-22.0pp |
| Employer contribution / active EE | $873 | $1,521-42.6% | $3,752-76.7% | $1,891-53.8% |
| Participant deferral / active EE | $1,739 | $3,126-44.4% | $6,282-72.3% | $3,080-43.5% |
| Admin fee / account holder | $2,759 | $4,569-39.6% | $9,818-71.9% | $3,454-20.1% |