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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 | $23,978 | $51,092-53.1% | $76,735-68.8% | $79,634-69.9% |
| Participation rate | 35.7% | 50.2%-14.5pp | 69.5%-33.8pp | 62.5%-26.7pp |
| Annual return | 18.35% | 18.04%+0.3pp | 29.77%-11.4pp | 36.46%-18.1pp |
| Employer contribution / active EE | $169 | $1,519-88.9% | $2,454-93.1% | $2,529-93.3% |
| Participant deferral / active EE | $1,743 | $2,529-31.1% | $4,088-57.4% | $3,835-54.6% |
| Admin fee / account holder | $1,324 | $1,865-29.0% | $7,189-81.6% | $1,002+32.2% |