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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 | $17,455 | $55,446-68.5% | $155,574-88.8% | $74,429-76.5% |
| Participation rate | 34.5% | 61.9%-27.5pp | 78.2%-43.8pp | 67.2%-32.8pp |
| Annual return | 12.33% | 269.20%-256.9pp | 64.87%-52.5pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $119 | $2,266-94.8% | $4,676-97.5% | $2,625-95.5% |
| Participant deferral / active EE | $814 | $2,836-71.3% | $5,629-85.5% | $4,348-81.3% |
| Admin fee / account holder | $3,718 | $1,743+113.3% | $15,914-76.6% | $1,944+91.2% |