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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 | $28,326 | $65,246-56.6% | $98,716-71.3% | $67,986-58.3% |
| Participation rate | 34.6% | 51.4%-16.8pp | 69.3%-34.7pp | 57.2%-22.6pp |
| Annual return | 27.95% | 20.58%+7.4pp | 31.81%-3.9pp | 31.67%-3.7pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,165 | $2,594+60.5% | $4,048+2.9% | $3,358+24.0% |
| Admin fee / account holder | $4,924 | $4,561+8.0% | $8,703-43.4% | $3,203+53.7% |