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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 | $32,141 | $69,511-53.8% | $94,664-66.0% | $71,511-55.1% |
| Participation rate | 46.7% | 78.4%-31.8pp | 80.8%-34.2pp | 67.9%-21.3pp |
| Annual return | 30.08% | 29.67%+0.4pp | 156.84%-126.8pp | 28.86%+1.2pp |
| Employer contribution / active EE | $1,490 | $2,853-47.8% | $3,673-59.4% | $2,589-42.4% |
| Participant deferral / active EE | $2,937 | $7,348-60.0% | $7,417-60.4% | $4,291-31.6% |
| Admin fee / account holder | $411 | $1,211-66.1% | $7,222-94.3% | $1,588-74.1% |