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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 | $6,194 | $27,243-77.3% | $52,425-88.2% | $79,634-92.2% |
| Participation rate | 33.7% | 22.4%+11.3pp | 55.6%-21.9pp | 62.5%-28.8pp |
| Annual return | 21.30% | 63.36%-42.1pp | 302.12%-280.8pp | 36.46%-15.2pp |
| Employer contribution / active EE | $30 | $319-90.6% | $914-96.7% | $2,529-98.8% |
| Participant deferral / active EE | $508 | $636-20.1% | $1,790-71.6% | $3,835-86.8% |
| Admin fee / account holder | $420 | $2,105-80.0% | $2,495-83.1% | $1,002-58.0% |