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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 | $65,246-48.9% | $98,716-66.2% | $67,986-50.9% |
| Participation rate | 47.0% | 51.4%-4.5pp | 69.3%-22.3pp | 57.2%-10.2pp |
| Annual return | 10.61% | 20.58%-10.0pp | 31.81%-21.2pp | 31.67%-21.1pp |
| Employer contribution / active EE | $93 | $1,042-91.1% | $2,279-95.9% | $2,019-95.4% |
| Participant deferral / active EE | $1,251 | $2,594-51.8% | $4,048-69.1% | $3,358-62.7% |
| Admin fee / account holder | $2,594 | $4,561-43.1% | $8,703-70.2% | $3,203-19.0% |