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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 | $25,518 | $81,457-68.7% | $103,378-75.3% | $80,911-68.5% |
| Participation rate | 64.3% | 66.8%-2.6pp | 74.5%-10.2pp | 67.6%-3.4pp |
| Annual return | 8.08% | 25.58%-17.5pp | 24.91%-16.8pp | 35.63%-27.5pp |
| Employer contribution / active EE | $3,469 | $3,107+11.6% | $3,870-10.4% | $2,756+25.9% |
| Participant deferral / active EE | $1,463 | $3,871-62.2% | $5,058-71.1% | $4,297-65.9% |
| Admin fee / account holder | $3,726 | $6,717-44.5% | $8,401-55.6% | $6,935-46.3% |