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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 | $62,193 | $61,214+1.6% | $83,327-25.4% | $56,289+10.5% |
| Participation rate | 38.1% | 72.6%-34.5pp | 77.8%-39.6pp | 69.9%-31.7pp |
| Annual return | 585.54% | 0.42%+585.1pp | 10.64%+574.9pp | -9.96%+595.5pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $587 | $5,091-88.5% | $5,565-89.5% | $3,350-82.5% |
| Admin fee / account holder | $1,553 | $512+203.7% | $7,540-79.4% | $521+198.2% |