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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $39,334 | $101,591-61.3% | $147,096-73.3% | $74,429-47.2% |
| Participation rate | 68.2% | 75.5%-7.3pp | 82.2%-14.0pp | 67.2%+1.0pp |
| Annual return | 14.87% | 8746.45%-8731.6pp | 419.75%-404.9pp | 1368.38%-1353.5pp |
| Employer contribution / active EE | $2,302 | $3,813-39.6% | $4,936-53.4% | $2,625-12.3% |
| Participant deferral / active EE | $3,004 | $7,302-58.9% | $8,071-62.8% | $4,348-30.9% |
| Admin fee / account holder | $3,671 | $1,750+109.8% | $13,005-71.8% | $1,944+88.8% |