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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 | $107,704 | $101,672+5.9% | $147,117-26.8% | $74,478+44.6% |
| Participation rate | 37.9% | 75.5%-37.7pp | 82.2%-44.3pp | 67.2%-29.3pp |
| Annual return | 18.01% | 8757.83%-8739.8pp | 420.54%-402.5pp | 1370.56%-1352.6pp |
| Employer contribution / active EE | $1,305 | $3,813-65.8% | $4,932-73.6% | $2,626-50.3% |
| Participant deferral / active EE | $2,736 | $7,305-62.5% | $8,065-66.1% | $4,350-37.1% |
| Admin fee / account holder | $3,048 | $1,753+73.8% | $12,993-76.5% | $1,946+56.6% |