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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 | $25,372 | $48,327-47.5% | $67,575-62.5% | $80,935-68.7% |
| Participation rate | 63.9% | 66.4%-2.6pp | 72.9%-9.1pp | 67.7%-3.8pp |
| Annual return | 10.06% | 18.31%-8.2pp | 3528.98%-3518.9pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,600 | $2,022-20.9% | $2,736-41.5% | $2,757-42.0% |
| Participant deferral / active EE | $2,329 | $2,927-20.4% | $4,003-41.8% | $4,299-45.8% |
| Admin fee / account holder | $8,072 | $3,692+118.6% | $3,993+102.2% | $6,924+16.6% |