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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 | $35,862 | $90,107-60.2% | $182,262-80.3% | $69,733-48.6% |
| Participation rate | 48.6% | 64.8%-16.3pp | 84.2%-35.7pp | 62.5%-13.9pp |
| Annual return | 54.00% | 95.58%-41.6pp | 140.60%-86.6pp | 15.22%+38.8pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $5,046-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $4,641 | $5,135-9.6% | $8,276-43.9% | $3,054+52.0% |
| Admin fee / account holder | $2,547 | $3,377-24.6% | $16,712-84.8% | $3,102-17.9% |