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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 | $32,171 | $55,470-42.0% | $155,556-79.3% | $74,478-56.8% |
| Participation rate | 35.2% | 61.9%-26.7pp | 78.2%-43.0pp | 67.2%-32.0pp |
| Annual return | 10.21% | 269.80%-259.6pp | 64.84%-54.6pp | 1370.56%-1360.4pp |
| Employer contribution / active EE | $1,070 | $2,267-52.8% | $4,675-77.1% | $2,626-59.3% |
| Participant deferral / active EE | $2,452 | $2,838-13.6% | $5,631-56.4% | $4,350-43.6% |
| Admin fee / account holder | $995 | $1,744-43.0% | $15,885-93.7% | $1,946-48.9% |