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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 | $35,795 | $91,439-60.9% | $135,974-73.7% | $71,511-49.9% |
| Participation rate | 52.7% | 75.7%-23.0pp | 81.9%-29.3pp | 67.9%-15.3pp |
| Annual return | 18.34% | 29.90%-11.6pp | 68.30%-50.0pp | 28.86%-10.5pp |
| Employer contribution / active EE | $2,041 | $3,705-44.9% | $4,859-58.0% | $2,589-21.2% |
| Participant deferral / active EE | $2,574 | $7,093-63.7% | $7,760-66.8% | $4,291-40.0% |
| Admin fee / account holder | $3,787 | $1,267+198.9% | $10,767-64.8% | $1,588+138.4% |