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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 | $38,813 | $55,446-30.0% | $155,574-75.1% | $74,429-47.9% |
| Participation rate | 41.9% | 61.9%-20.0pp | 78.2%-36.3pp | 67.2%-25.3pp |
| Annual return | 7.95% | 269.20%-261.3pp | 64.87%-56.9pp | 1368.38%-1360.4pp |
| Employer contribution / active EE | $721 | $2,266-68.2% | $4,676-84.6% | $2,625-72.5% |
| Participant deferral / active EE | $1,142 | $2,836-59.7% | $5,629-79.7% | $4,348-73.7% |
| Admin fee / account holder | $2,133 | $1,743+22.4% | $15,914-86.6% | $1,944+9.7% |