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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 | $30,831 | $50,860-39.4% | $155,574-80.2% | $77,714-60.3% |
| Participation rate | 27.9% | 63.1%-35.2pp | 78.2%-50.3pp | 70.6%-42.7pp |
| Annual return | 8.51% | 34.86%-26.4pp | 64.87%-56.4pp | 31.26%-22.7pp |
| Employer contribution / active EE | $33 | $1,991-98.4% | $4,676-99.3% | $2,727-98.8% |
| Participant deferral / active EE | $982 | $2,825-65.2% | $5,629-82.6% | $4,649-78.9% |
| Admin fee / account holder | $2,148 | $436+392.1% | $15,914-86.5% | $433+395.8% |