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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 | $79,223-52.6% | $102,460-63.4% | $74,478-49.6% |
| Participation rate | 66.7% | 74.8%-8.1pp | 76.5%-9.8pp | 67.2%-0.6pp |
| Annual return | 10.37% | 54.98%-44.6pp | 29.47%-19.1pp | 1370.56%-1360.2pp |
| Employer contribution / active EE | $1,254 | $2,363-47.0% | $3,025-58.6% | $2,626-52.3% |
| Participant deferral / active EE | $2,606 | $4,417-41.0% | $5,056-48.5% | $4,350-40.1% |
| Admin fee / account holder | $2,259 | $2,003+12.8% | $9,460-76.1% | $1,946+16.1% |