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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 | $18,767 | $60,504-69.0% | $81,882-77.1% | $74,478-74.8% |
| Participation rate | 46.0% | 62.9%-16.9pp | 72.4%-26.4pp | 67.2%-21.2pp |
| Annual return | 11.43% | 16.91%-5.5pp | 779.47%-768.0pp | 1370.56%-1359.1pp |
| Employer contribution / active EE | $407 | $2,627-84.5% | $2,916-86.1% | $2,626-84.5% |
| Participant deferral / active EE | $1,753 | $3,400-48.4% | $4,323-59.5% | $4,350-59.7% |
| Admin fee / account holder | $2,254 | $1,492+51.1% | $7,360-69.4% | $1,946+15.8% |