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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 | $49,005 | $76,112-35.6% | $96,534-49.2% | $71,511-31.5% |
| Participation rate | 45.5% | 74.4%-28.9pp | 76.0%-30.4pp | 67.9%-22.4pp |
| Annual return | 17.27% | 22.81%-5.5pp | 25.88%-8.6pp | 28.86%-11.6pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,617 | $4,217-61.6% | $4,851-66.7% | $4,291-62.3% |
| Admin fee / account holder | $1,336 | $2,708-50.7% | $8,253-83.8% | $1,588-15.9% |