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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 | $38,265 | $78,607-51.3% | $105,624-63.8% | $74,478-48.6% |
| Participation rate | 38.8% | 72.8%-34.0pp | 75.3%-36.5pp | 67.2%-28.4pp |
| Annual return | 14.21% | 15.96%-1.8pp | 116.20%-102.0pp | 1370.56%-1356.4pp |
| Employer contribution / active EE | $908 | $2,523-64.0% | $3,168-71.3% | $2,626-65.4% |
| Participant deferral / active EE | $1,837 | $4,325-57.5% | $5,013-63.4% | $4,350-57.8% |
| Admin fee / account holder | $5,923 | $2,220+166.9% | $10,961-46.0% | $1,946+204.4% |