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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 | $27,367 | $84,493-67.6% | $125,381-78.2% | $66,938-59.1% |
| Participation rate | 68.1% | 76.4%-8.3pp | 82.4%-14.3pp | 69.8%-1.7pp |
| Annual return | -18.31% | -8.49%-9.8pp | 572.31%-590.6pp | 1.58%-19.9pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $9,396 | $6,783+38.5% | $7,448+26.2% | $4,238+121.7% |
| Admin fee / account holder | $771 | $685+12.5% | $10,007-92.3% | $594+29.9% |