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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 | $15,629 | $47,105-66.8% | $68,368-77.1% | $67,986-77.0% |
| Participation rate | 67.9% | 51.8%+16.1pp | 73.8%-5.8pp | 57.2%+10.7pp |
| Annual return | 8.62% | 48.37%-39.8pp | 292.57%-284.0pp | 31.67%-23.0pp |
| Employer contribution / active EE | $1,147 | $1,859-38.3% | $2,649-56.7% | $2,019-43.2% |
| Participant deferral / active EE | $770 | $2,374-67.6% | $4,123-81.3% | $3,358-77.1% |
| Admin fee / account holder | $2,684 | $2,435+10.2% | $5,150-47.9% | $3,203-16.2% |