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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 | $17,176 | $60,454-71.6% | $81,844-79.0% | $74,459-76.9% |
| Participation rate | 38.2% | 63.0%-24.7pp | 72.4%-34.1pp | 67.2%-29.0pp |
| Annual return | 4.85% | 16.87%-12.0pp | 778.87%-774.0pp | 1369.70%-1364.9pp |
| Employer contribution / active EE | $663 | $2,630-74.8% | $2,916-77.3% | $2,626-74.7% |
| Participant deferral / active EE | $1,057 | $3,398-68.9% | $4,323-75.6% | $4,350-75.7% |
| Admin fee / account holder | $1,488 | $1,490-0.2% | $7,355-79.8% | $1,945-23.5% |