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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 | $25,527 | $47,479-46.2% | $62,929-59.4% | $82,448-69.0% |
| Participation rate | 23.9% | 66.9%-43.0pp | 73.1%-49.2pp | 68.1%-44.2pp |
| Annual return | 8.63% | 20.34%-11.7pp | 1063.93%-1055.3pp | 41.64%-33.0pp |
| Employer contribution / active EE | $2,301 | $1,885+22.0% | $2,505-8.1% | $2,551-9.8% |
| Participant deferral / active EE | $2,810 | $2,870-2.1% | $3,888-27.7% | $4,139-32.1% |
| Admin fee / account holder | $1,583 | $3,804-58.4% | $5,065-68.7% | $7,234-78.1% |