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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 | $45,464 | $101,672-55.3% | $147,117-69.1% | $74,478-39.0% |
| Participation rate | 56.6% | 75.5%-18.9pp | 82.2%-25.6pp | 67.2%-10.6pp |
| Annual return | 33.26% | 8757.83%-8724.6pp | 420.54%-387.3pp | 1370.56%-1337.3pp |
| Employer contribution / active EE | $38 | $3,813-99.0% | $4,932-99.2% | $2,626-98.6% |
| Participant deferral / active EE | $6,835 | $7,305-6.4% | $8,065-15.3% | $4,350+57.1% |
| Admin fee / account holder | $2,910 | $1,753+66.0% | $12,993-77.6% | $1,946+49.6% |