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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 | $9,832 | $41,016-76.0% | $152,093-93.5% | $64,097-84.7% |
| Participation rate | 36.4% | 51.3%-14.9pp | 77.8%-41.3pp | 55.2%-18.8pp |
| Annual return | 15.52% | 39.60%-24.1pp | 66.36%-50.8pp | 34.64%-19.1pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $951 | $1,927-50.7% | $5,451-82.6% | $3,080-69.1% |
| Admin fee / account holder | $727 | $2,305-68.5% | $14,497-95.0% | $3,454-79.0% |