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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 | $101,591+6.0% | $147,096-26.8% | $74,429+44.7% |
| Participation rate | 37.9% | 75.5%-37.6pp | 82.2%-44.3pp | 67.2%-29.3pp |
| Annual return | 18.01% | 8746.45%-8728.4pp | 419.75%-401.7pp | 1368.38%-1350.4pp |
| Employer contribution / active EE | $1,305 | $3,813-65.8% | $4,936-73.6% | $2,625-50.3% |
| Participant deferral / active EE | $2,736 | $7,302-62.5% | $8,071-66.1% | $4,348-37.1% |
| Admin fee / account holder | $3,048 | $1,750+74.1% | $13,005-76.6% | $1,944+56.7% |