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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 | $66,444-38.3% | $120,225-65.9% | $79,634-48.5% |
| Participation rate | 24.4% | 42.8%-18.4pp | 69.6%-45.2pp | 62.5%-38.1pp |
| Annual return | 12.21% | 53.37%-41.2pp | 439.23%-427.0pp | 36.46%-24.2pp |
| Employer contribution / active EE | $1,285 | $1,860-31.0% | $3,475-63.0% | $2,529-49.2% |
| Participant deferral / active EE | $1,256 | $2,798-55.1% | $3,999-68.6% | $3,835-67.2% |
| Admin fee / account holder | $2,071 | $1,295+59.9% | $5,696-63.6% | $1,002+106.7% |