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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $41,540 | $91,424-54.6% | $135,942-69.4% | $71,495-41.9% |
| Participation rate | 28.2% | 75.7%-47.4pp | 81.9%-53.7pp | 67.9%-39.7pp |
| Annual return | 16.07% | 29.90%-13.8pp | 68.28%-52.2pp | 28.85%-12.8pp |
| Employer contribution / active EE | $0 | $3,704-100.0% | $4,858-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,029 | $7,092-57.3% | $7,759-61.0% | $4,291-29.4% |
| Admin fee / account holder | $3,456 | $1,266+173.0% | $10,764-67.9% | $1,588+117.7% |