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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $20,860 | $55,402-62.3% | $76,089-72.6% | $77,714-73.2% |
| Participation rate | 35.5% | 63.6%-28.1pp | 69.1%-33.6pp | 70.6%-35.1pp |
| Annual return | 19.42% | 17.09%+2.3pp | 360.94%-341.5pp | 31.26%-11.8pp |
| Employer contribution / active EE | $648 | $1,789-63.8% | $2,690-75.9% | $2,727-76.2% |
| Participant deferral / active EE | $1,147 | $3,450-66.8% | $4,259-73.1% | $4,649-75.3% |
| Admin fee / account holder | $3,593 | $410+776.0% | $6,418-44.0% | $433+729.3% |