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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.)
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 | $36,221 | $56,047-35.4% | $98,716-63.3% | $79,634-54.5% |
| Participation rate | 14.5% | 54.6%-40.2pp | 69.3%-54.8pp | 62.5%-48.0pp |
| Annual return | 19.36% | 17.58%+1.8pp | 31.81%-12.4pp | 36.46%-17.1pp |
| Employer contribution / active EE | $0 | $1,237-100.0% | $2,279-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $486 | $2,469-80.3% | $4,048-88.0% | $3,835-87.3% |
| Admin fee / account holder | $5,909 | $1,512+290.8% | $8,703-32.1% | $1,002+489.7% |