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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 | $27,838 | $64,705-57.0% | $62,929-55.8% | $67,986-59.1% |
| Participation rate | 61.1% | 65.6%-4.5pp | 73.1%-12.0pp | 57.2%+3.9pp |
| Annual return | 28.17% | 20.31%+7.9pp | 1063.93%-1035.8pp | 31.67%-3.5pp |
| Employer contribution / active EE | $516 | $2,376-78.3% | $2,505-79.4% | $2,019-74.5% |
| Participant deferral / active EE | $2,008 | $3,198-37.2% | $3,888-48.4% | $3,358-40.2% |
| Admin fee / account holder | $687 | $1,428-51.9% | $5,065-86.4% | $3,203-78.6% |