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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 | $26,409 | $73,102-63.9% | $123,553-78.6% | $56,289-53.1% |
| Participation rate | 64.7% | 74.3%-9.6pp | 82.3%-17.6pp | 69.9%-5.1pp |
| Annual return | -8.72% | 3.01%-11.7pp | 119.21%-127.9pp | -9.96%+1.2pp |
| Employer contribution / active EE | $3,178 | $2,977+6.8% | $4,628-31.3% | $2,111+50.5% |
| Participant deferral / active EE | $7,235 | $5,423+33.4% | $6,426+12.6% | $3,350+116.0% |
| Admin fee / account holder | $6,426 | $554+1060.5% | $9,284-30.8% | $521+1133.4% |