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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 | $42,378-43.4% | $78,004-69.3% | $71,012-66.2% |
| Participation rate | 35.7% | 46.9%-11.1pp | 69.4%-33.7pp | 58.6%-22.8pp |
| Annual return | 18.35% | 19.23%-0.9pp | 31.07%-12.7pp | 37.67%-19.3pp |
| Employer contribution / active EE | $169 | $1,375-87.7% | $2,469-93.2% | $2,348-92.8% |
| Participant deferral / active EE | $1,743 | $2,097-16.9% | $4,092-57.4% | $3,246-46.3% |
| Admin fee / account holder | $1,324 | $2,377-44.3% | $7,578-82.5% | $1,167+13.4% |