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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 | $2,425 | $51,638-95.3% | $68,368-96.5% | $82,448-97.1% |
| Participation rate | 61.4% | 63.6%-2.2pp | 73.8%-12.4pp | 68.1%-6.7pp |
| Annual return | 9.50% | 37.53%-28.0pp | 292.57%-283.1pp | 41.64%-32.1pp |
| Employer contribution / active EE | $350 | $2,047-82.9% | $2,649-86.8% | $2,551-86.3% |
| Participant deferral / active EE | $603 | $2,914-79.3% | $4,123-85.4% | $4,139-85.4% |
| Admin fee / account holder | $523 | $4,643-88.7% | $5,150-89.8% | $7,234-92.8% |