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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 | $82,133-56.3% | $147,318-75.7% | $64,097-44.1% |
| Participation rate | 48.6% | 62.3%-13.7pp | 82.1%-33.5pp | 55.2%-6.6pp |
| Annual return | 54.00% | 78.78%-24.8pp | 70.43%-16.4pp | 34.64%+19.4pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $4,641 | $5,407-14.2% | $7,906-41.3% | $3,080+50.7% |
| Admin fee / account holder | $2,547 | $3,730-31.7% | $13,708-81.4% | $3,454-26.3% |