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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 | $43,588 | $81,334-46.4% | $113,397-61.6% | $64,097-32.0% |
| Participation rate | 67.1% | 65.6%+1.4pp | 76.5%-9.4pp | 55.2%+11.9pp |
| Annual return | 18.64% | 32.50%-13.9pp | 23.20%-4.6pp | 34.64%-16.0pp |
| Employer contribution / active EE | $537 | $2,077-74.1% | $2,977-82.0% | $1,891-71.6% |
| Participant deferral / active EE | $5,421 | $3,795+42.8% | $5,076+6.8% | $3,080+76.0% |
| Admin fee / account holder | $4,108 | $4,208-2.4% | $11,957-65.6% | $3,454+18.9% |