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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 | $25,024 | $69,255-63.9% | $260,467-90.4% | $69,255-63.9% |
| Participation rate | 32.0% | 69.0%-37.1pp | 80.5%-48.5pp | 69.0%-37.1pp |
| Annual return | 20.35% | 26.73%-6.4pp | 100.60%-80.3pp | 26.73%-6.4pp |
| Employer contribution / active EE | $255 | $2,645-90.3% | $4,239-94.0% | $2,645-90.3% |
| Participant deferral / active EE | $1,840 | $2,890-36.3% | $6,319-70.9% | $2,890-36.3% |
| Admin fee / account holder | $2,437 | $733+232.6% | $15,461-84.2% | $733+232.6% |