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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 | $10,379 | $29,554-64.9% | $56,054-81.5% | $77,692-86.6% |
| Participation rate | 44.0% | 32.6%+11.4pp | 52.5%-8.4pp | 70.6%-26.5pp |
| Annual return | 10.25% | 18.89%-8.6pp | 1705.95%-1695.7pp | 31.25%-21.0pp |
| Employer contribution / active EE | $148 | $568-74.0% | $1,039-85.8% | $2,726-94.6% |
| Participant deferral / active EE | $483 | $1,061-54.5% | $1,952-75.3% | $4,648-89.6% |
| Admin fee / account holder | $465 | $1,046-55.5% | $2,822-83.5% | $431+8.1% |