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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.)
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 | $45,650 | $83,090-45.1% | $130,062-64.9% | $71,529-36.2% |
| Participation rate | 54.6% | 74.1%-19.5pp | 78.5%-23.9pp | 67.9%-13.3pp |
| Annual return | 15.68% | 20.61%-4.9pp | -137.37%+153.0pp | 28.97%-13.3pp |
| Employer contribution / active EE | $460 | $2,624-82.5% | $4,322-89.4% | $2,590-82.2% |
| Participant deferral / active EE | $3,451 | $4,436-22.2% | $5,821-40.7% | $4,291-19.6% |
| Admin fee / account holder | $2,243 | $1,727+29.9% | $10,601-78.8% | $1,588+41.2% |