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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 | $55,457-54.0% | $77,361-67.0% | $94,015-72.8% |
| Participation rate | 23.9% | 69.8%-46.0pp | 75.0%-51.1pp | 70.8%-47.0pp |
| Annual return | 8.63% | 15.57%-6.9pp | 1011.54%-1002.9pp | 17.84%-9.2pp |
| Employer contribution / active EE | $2,301 | $2,255+2.0% | $2,990-23.1% | $2,790-17.5% |
| Participant deferral / active EE | $2,810 | $3,069-8.5% | $3,911-28.2% | $4,249-33.9% |
| Admin fee / account holder | $1,583 | $4,334-63.5% | $5,894-73.1% | $8,951-82.3% |