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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 | $37,547 | $79,184-52.6% | $102,438-63.3% | $74,546-49.6% |
| Participation rate | 66.7% | 74.8%-8.1pp | 76.5%-9.8pp | 67.2%-0.5pp |
| Annual return | 10.37% | 54.95%-44.6pp | 29.37%-19.0pp | 1366.03%-1355.7pp |
| Employer contribution / active EE | $1,254 | $2,362-46.9% | $3,024-58.5% | $2,624-52.2% |
| Participant deferral / active EE | $2,606 | $4,414-41.0% | $5,054-48.4% | $4,347-40.1% |
| Admin fee / account holder | $2,259 | $2,001+12.9% | $9,448-76.1% | $1,944+16.2% |