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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 | $23,529 | $69,708-66.2% | $67,560-65.2% | $74,478-68.4% |
| Participation rate | 36.1% | 71.4%-35.3pp | 72.9%-36.8pp | 67.2%-31.1pp |
| Annual return | 11.30% | -40.67%+52.0pp | 3533.50%-3522.2pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $655 | $2,715-75.9% | $2,737-76.0% | $2,626-75.0% |
| Participant deferral / active EE | $964 | $3,637-73.5% | $4,004-75.9% | $4,350-77.8% |
| Admin fee / account holder | $2,551 | $887+187.6% | $3,994-36.1% | $1,946+31.1% |