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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 | $49,752 | $65,960-24.6% | $81,844-39.2% | $77,736-36.0% |
| Participation rate | 19.8% | 65.8%-46.0pp | 72.4%-52.6pp | 70.6%-50.8pp |
| Annual return | 10.31% | 26.64%-16.3pp | 778.87%-768.6pp | 31.26%-20.9pp |
| Employer contribution / active EE | $172 | $2,375-92.7% | $2,916-94.1% | $2,728-93.7% |
| Participant deferral / active EE | $1,198 | $3,505-65.8% | $4,323-72.3% | $4,651-74.2% |
| Admin fee / account holder | $1,882 | $526+257.4% | $7,355-74.4% | $433+334.3% |