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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 | $50,919-39.5% | $155,556-80.2% | $77,762-60.4% |
| Participation rate | 27.9% | 63.1%-35.2pp | 78.2%-50.3pp | 70.6%-42.7pp |
| Annual return | 8.51% | 34.84%-26.3pp | 64.84%-56.3pp | 31.27%-22.8pp |
| Employer contribution / active EE | $33 | $1,991-98.4% | $4,675-99.3% | $2,728-98.8% |
| Participant deferral / active EE | $982 | $2,824-65.2% | $5,631-82.6% | $4,651-78.9% |
| Admin fee / account holder | $2,148 | $437+391.8% | $15,885-86.5% | $433+396.2% |