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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 | $28,132 | $54,674-48.5% | $76,089-63.0% | $74,429-62.2% |
| Participation rate | 60.0% | 60.3%-0.3pp | 69.1%-9.1pp | 67.2%-7.2pp |
| Annual return | 10.82% | 31.89%-21.1pp | 360.94%-350.1pp | 1368.38%-1357.6pp |
| Employer contribution / active EE | $569 | $1,781-68.0% | $2,690-78.8% | $2,625-78.3% |
| Participant deferral / active EE | $3,213 | $3,071+4.6% | $4,259-24.6% | $4,348-26.1% |
| Admin fee / account holder | $5,279 | $2,238+135.9% | $6,418-17.7% | $1,944+171.5% |