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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 | $42,285 | $55,402-23.7% | $76,089-44.4% | $77,714-45.6% |
| Participation rate | 22.0% | 63.6%-41.6pp | 69.1%-47.1pp | 70.6%-48.6pp |
| Annual return | 52.09% | 17.09%+35.0pp | 360.94%-308.9pp | 31.26%+20.8pp |
| Employer contribution / active EE | $425 | $1,789-76.3% | $2,690-84.2% | $2,727-84.4% |
| Participant deferral / active EE | $1,281 | $3,450-62.9% | $4,259-69.9% | $4,649-72.5% |
| Admin fee / account holder | $2,085 | $410+408.3% | $6,418-67.5% | $433+381.2% |