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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 | $101,499-61.2% | $147,005-73.2% | $74,546-47.2% |
| Participation rate | 68.2% | 75.5%-7.3pp | 82.2%-13.9pp | 67.2%+1.0pp |
| Annual return | 14.87% | 8732.34%-8717.5pp | 418.76%-403.9pp | 1366.03%-1351.2pp |
| Employer contribution / active EE | $2,302 | $3,811-39.6% | $4,934-53.4% | $2,624-12.3% |
| Participant deferral / active EE | $3,004 | $7,304-58.9% | $8,070-62.8% | $4,347-30.9% |
| Admin fee / account holder | $3,671 | $1,748+110.0% | $13,006-71.8% | $1,944+88.9% |