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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 | $19,719 | $50,902-61.3% | $155,534-87.3% | $77,736-74.6% |
| Participation rate | 34.0% | 63.1%-29.1pp | 78.2%-44.2pp | 70.6%-36.6pp |
| Annual return | 10.75% | 34.85%-24.1pp | 64.92%-54.2pp | 31.26%-20.5pp |
| Employer contribution / active EE | $869 | $1,991-56.4% | $4,675-81.4% | $2,728-68.1% |
| Participant deferral / active EE | $1,184 | $2,824-58.1% | $5,630-79.0% | $4,651-74.5% |
| Admin fee / account holder | $696 | $437+59.2% | $15,900-95.6% | $433+60.5% |