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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 | $29,345 | $88,360-66.8% | $145,433-79.8% | $67,986-56.8% |
| Participation rate | 63.5% | 65.5%-2.0pp | 82.1%-18.6pp | 57.2%+6.3pp |
| Annual return | 14.64% | 63.15%-48.5pp | 66.58%-51.9pp | 31.67%-17.0pp |
| Employer contribution / active EE | $285 | $3,054-90.7% | $4,554-93.8% | $2,019-85.9% |
| Participant deferral / active EE | $2,611 | $5,932-56.0% | $7,897-66.9% | $3,358-22.2% |
| Admin fee / account holder | $1,434 | $3,313-56.7% | $13,129-89.1% | $3,203-55.2% |