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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 | $15,933 | $52,188-69.5% | $86,640-81.6% | $74,460-78.6% |
| Participation rate | 11.5% | 66.3%-54.8pp | 71.7%-60.2pp | 70.7%-59.2pp |
| Annual return | 15.01% | 44.46%-29.4pp | 592.52%-577.5pp | 34.38%-19.4pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,024-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $315 | $3,383-90.7% | $4,438-92.9% | $4,530-93.0% |
| Admin fee / account holder | $2,404 | $319+654.4% | $5,616-57.2% | $348+591.2% |