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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 | $33,352 | $63,456-47.4% | $100,712-66.9% | $64,097-48.0% |
| Participation rate | 47.0% | 49.7%-2.7pp | 69.3%-22.3pp | 55.2%-8.2pp |
| Annual return | 10.61% | 19.65%-9.0pp | 33.27%-22.7pp | 34.64%-24.0pp |
| Employer contribution / active EE | $93 | $1,003-90.7% | $2,313-96.0% | $1,891-95.1% |
| Participant deferral / active EE | $1,251 | $2,463-49.2% | $4,085-69.4% | $3,080-59.4% |
| Admin fee / account holder | $2,594 | $4,808-46.0% | $9,256-72.0% | $3,454-24.9% |