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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 | $34,973 | $30,385+15.1% | $56,054-37.6% | $74,400-53.0% |
| Participation rate | 41.9% | 32.9%+9.0pp | 52.5%-10.5pp | 67.2%-25.3pp |
| Annual return | -9.92% | 24.92%-34.8pp | 1705.95%-1715.9pp | 1367.51%-1377.4pp |
| Employer contribution / active EE | $4,980 | $609+717.8% | $1,039+379.3% | $2,624+89.7% |
| Participant deferral / active EE | $1,313 | $1,174+11.8% | $1,952-32.8% | $4,348-69.8% |
| Admin fee / account holder | $12,529 | $2,361+430.7% | $2,822+343.9% | $1,944+544.6% |