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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 | $32,984 | $55,437-40.5% | $155,534-78.8% | $74,459-55.7% |
| Participation rate | 50.3% | 61.9%-11.6pp | 78.2%-27.9pp | 67.2%-16.9pp |
| Annual return | 11.10% | 269.58%-258.5pp | 64.92%-53.8pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $757 | $2,266-66.6% | $4,675-83.8% | $2,626-71.2% |
| Participant deferral / active EE | $2,107 | $2,837-25.8% | $5,630-62.6% | $4,350-51.6% |
| Admin fee / account holder | $1,611 | $1,742-7.5% | $15,900-89.9% | $1,945-17.2% |