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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 | $50,554-49.5% | $67,681-62.3% | $87,485-70.8% |
| Participation rate | 23.9% | 67.7%-43.9pp | 73.7%-49.9pp | 68.9%-45.1pp |
| Annual return | 8.63% | 17.81%-9.2pp | 590.58%-582.0pp | 26.06%-17.4pp |
| Employer contribution / active EE | $2,301 | $1,988+15.7% | $2,678-14.1% | $2,596-11.4% |
| Participant deferral / active EE | $2,810 | $2,961-5.1% | $3,976-29.3% | $4,274-34.2% |
| Admin fee / account holder | $1,583 | $4,132-61.7% | $6,100-74.0% | $7,775-79.6% |