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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 | $69,774-66.3% | $67,561-65.2% | $74,429-68.4% |
| Participation rate | 36.1% | 71.4%-35.3pp | 72.9%-36.8pp | 67.2%-31.1pp |
| Annual return | 11.30% | -40.53%+51.8pp | 3525.44%-3514.1pp | 1368.38%-1357.1pp |
| Employer contribution / active EE | $655 | $2,710-75.8% | $2,735-76.0% | $2,625-75.0% |
| Participant deferral / active EE | $964 | $3,636-73.5% | $4,003-75.9% | $4,348-77.8% |
| Admin fee / account holder | $2,551 | $890+186.7% | $4,006-36.3% | $1,944+31.2% |