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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 | $21,507 | $95,406-77.5% | $185,849-88.4% | $85,847-74.9% |
| Participation rate | 67.0% | 68.8%-1.7pp | 81.7%-14.7pp | 69.3%-2.3pp |
| Annual return | 8.43% | 23.59%-15.2pp | 122.10%-113.7pp | 318.61%-310.2pp |
| Employer contribution / active EE | $1,326 | $3,314-60.0% | $5,169-74.3% | $2,565-48.3% |
| Participant deferral / active EE | $2,384 | $3,424-30.4% | $5,569-57.2% | $3,952-39.7% |
| Admin fee / account holder | $582 | $7,214-91.9% | $16,244-96.4% | $6,261-90.7% |