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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 | $7,050 | $29,051-75.7% | $52,425-86.6% | $67,986-89.6% |
| Participation rate | 21.8% | 30.4%-8.7pp | 55.6%-33.9pp | 57.2%-35.5pp |
| Annual return | 22.57% | 24.00%-1.4pp | 302.12%-279.5pp | 31.67%-9.1pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $605 | $873-30.7% | $1,790-66.2% | $3,358-82.0% |
| Admin fee / account holder | $1,319 | $2,113-37.6% | $2,495-47.1% | $3,203-58.8% |