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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 | $17,889 | $61,391-70.9% | $149,723-88.1% | $71,529-75.0% |
| Participation rate | 45.5% | 62.5%-17.0pp | 78.8%-33.3pp | 67.9%-22.4pp |
| Annual return | 19.36% | 35.88%-16.5pp | 134.50%-115.1pp | 28.97%-9.6pp |
| Employer contribution / active EE | $274 | $2,384-88.5% | $4,821-94.3% | $2,590-89.4% |
| Participant deferral / active EE | $1,949 | $2,921-33.3% | $5,682-65.7% | $4,291-54.6% |
| Admin fee / account holder | $1,404 | $1,264+11.1% | $13,215-89.4% | $1,588-11.6% |