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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 | $101,653-55.3% | $147,080-69.1% | $74,459-38.9% |
| Participation rate | 56.6% | 75.6%-18.9pp | 82.2%-25.6pp | 67.2%-10.6pp |
| Annual return | 33.26% | 8754.98%-8721.7pp | 420.17%-386.9pp | 1369.70%-1336.4pp |
| Employer contribution / active EE | $38 | $3,813-99.0% | $4,933-99.2% | $2,626-98.6% |
| Participant deferral / active EE | $6,835 | $7,304-6.4% | $8,066-15.3% | $4,350+57.1% |
| Admin fee / account holder | $2,910 | $1,752+66.1% | $12,989-77.6% | $1,945+49.6% |