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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 | $40,388 | $83,369-51.6% | $105,223-61.6% | $67,986-40.6% |
| Participation rate | 32.6% | 56.3%-23.7pp | 75.0%-42.4pp | 57.2%-24.6pp |
| Annual return | 13.59% | 24.64%-11.1pp | 180.65%-167.1pp | 31.67%-18.1pp |
| Employer contribution / active EE | $208 | $2,541-91.8% | $3,689-94.4% | $2,019-89.7% |
| Participant deferral / active EE | $1,922 | $3,295-41.7% | $5,072-62.1% | $3,358-42.8% |
| Admin fee / account holder | $4,756 | $4,073+16.8% | $8,859-46.3% | $3,203+48.5% |