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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 | $40,993 | $58,121-29.5% | $130,788-68.7% | $64,728-36.7% |
| Participation rate | 24.4% | 34.7%-10.3pp | 70.1%-45.7pp | 57.9%-33.5pp |
| Annual return | 12.21% | 102.13%-89.9pp | 386.44%-374.2pp | 49.38%-37.2pp |
| Employer contribution / active EE | $1,285 | $1,281+0.3% | $3,558-63.9% | $2,243-42.7% |
| Participant deferral / active EE | $1,256 | $2,137-41.2% | $4,137-69.6% | $2,729-54.0% |
| Admin fee / account holder | $2,071 | $1,703+21.6% | $6,673-69.0% | $1,145+80.9% |