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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 | $34,189 | $91,439-62.6% | $135,974-74.9% | $71,511-52.2% |
| Participation rate | 59.4% | 75.7%-16.2pp | 81.9%-22.5pp | 67.9%-8.5pp |
| Annual return | 16.58% | 29.90%-13.3pp | 68.30%-51.7pp | 28.86%-12.3pp |
| Employer contribution / active EE | $1,368 | $3,705-63.1% | $4,859-71.8% | $2,589-47.2% |
| Participant deferral / active EE | $2,878 | $7,093-59.4% | $7,760-62.9% | $4,291-32.9% |
| Admin fee / account holder | $2,054 | $1,267+62.1% | $10,767-80.9% | $1,588+29.3% |