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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 | $55,482-60.7% | $76,051-71.3% | $77,692-71.9% |
| Participation rate | 10.8% | 63.7%-52.9pp | 69.1%-58.3pp | 70.6%-59.8pp |
| Annual return | 872.32% | 17.09%+855.2pp | 360.42%+511.9pp | 31.25%+841.1pp |
| Employer contribution / active EE | $0 | $1,792-100.0% | $2,690-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $384 | $3,455-88.9% | $4,257-91.0% | $4,648-91.7% |
| Admin fee / account holder | $3,141 | $407+671.1% | $6,416-51.0% | $431+629.6% |