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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 | $36,265 | $43,730-17.1% | $66,674-45.6% | $64,097-43.4% |
| Participation rate | 41.6% | 50.7%-9.1pp | 73.7%-32.1pp | 55.2%-13.6pp |
| Annual return | 15.59% | 53.62%-38.0pp | 321.24%-305.7pp | 34.64%-19.1pp |
| Employer contribution / active EE | $167 | $1,673-90.0% | $2,620-93.6% | $1,891-91.2% |
| Participant deferral / active EE | $1,600 | $2,122-24.6% | $4,084-60.8% | $3,080-48.0% |
| Admin fee / account holder | $2,464 | $2,708-9.0% | $5,098-51.7% | $3,454-28.7% |