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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 | $49,976-95.1% | $66,674-96.4% | $82,637-97.1% |
| Participation rate | 61.4% | 63.1%-1.7pp | 73.7%-12.3pp | 68.1%-6.7pp |
| Annual return | 9.50% | 39.09%-29.6pp | 321.24%-311.7pp | 53.51%-44.0pp |
| Employer contribution / active EE | $350 | $1,988-82.4% | $2,620-86.6% | $2,552-86.3% |
| Participant deferral / active EE | $603 | $2,847-78.8% | $4,084-85.2% | $4,126-85.4% |
| Admin fee / account holder | $523 | $4,594-88.6% | $5,098-89.7% | $7,339-92.9% |