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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 | $40,941 | $83,369-50.9% | $105,223-61.1% | $67,986-39.8% |
| Participation rate | 60.8% | 56.3%+4.5pp | 75.0%-14.2pp | 57.2%+3.6pp |
| Annual return | 16.71% | 24.64%-7.9pp | 180.65%-163.9pp | 31.67%-15.0pp |
| Employer contribution / active EE | $1,643 | $2,541-35.3% | $3,689-55.5% | $2,019-18.6% |
| Participant deferral / active EE | $1,344 | $3,295-59.2% | $5,072-73.5% | $3,358-60.0% |
| Admin fee / account holder | $4,047 | $4,073-0.6% | $8,859-54.3% | $3,203+26.3% |