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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 | $25,821 | $58,093-55.6% | $80,022-67.7% | $56,289-54.1% |
| Participation rate | 68.6% | 73.6%-5.1pp | 75.8%-7.3pp | 69.9%-1.3pp |
| Annual return | -9.24% | 34.63%-43.9pp | 11.22%-20.5pp | -9.96%+0.7pp |
| Employer contribution / active EE | $1,417 | $1,933-26.7% | $2,468-42.6% | $2,111-32.9% |
| Participant deferral / active EE | $3,155 | $3,136+0.6% | $3,686-14.4% | $3,350-5.8% |
| Admin fee / account holder | $1,142 | $623+83.4% | $6,521-82.5% | $521+119.1% |