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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 | $21,803 | $55,457-60.7% | $76,119-71.4% | $77,736-72.0% |
| Participation rate | 10.8% | 63.6%-52.8pp | 69.1%-58.3pp | 70.6%-59.8pp |
| Annual return | 872.32% | 17.09%+855.2pp | 361.25%+511.1pp | 31.26%+841.1pp |
| Employer contribution / active EE | $0 | $1,792-100.0% | $2,693-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $384 | $3,454-88.9% | $4,259-91.0% | $4,651-91.7% |
| Admin fee / account holder | $3,141 | $411+664.7% | $6,421-51.1% | $433+624.9% |