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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $19,601 | $27,800-29.5% | $58,561-66.5% | $71,511-72.6% |
| Participation rate | 30.0% | 34.6%-4.6pp | 50.9%-20.9pp | 67.9%-38.0pp |
| Annual return | 12.75% | 26.80%-14.0pp | 4251.33%-4238.6pp | 28.86%-16.1pp |
| Employer contribution / active EE | $88 | $632-86.1% | $1,053-91.7% | $2,589-96.6% |
| Participant deferral / active EE | $1,526 | $1,208+26.3% | $1,923-20.7% | $4,291-64.4% |
| Admin fee / account holder | $5,593 | $1,637+241.6% | $2,520+121.9% | $1,588+252.1% |