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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 | $56,529 | $80,983-30.2% | $96,544-41.4% | $75,177-24.8% |
| Participation rate | 51.6% | 71.8%-20.2pp | 76.0%-24.4pp | 67.2%-15.6pp |
| Annual return | 64.36% | 27.05%+37.3pp | 25.88%+38.5pp | 160.75%-96.4pp |
| Employer contribution / active EE | $344 | $2,282-84.9% | $2,966-88.4% | $2,671-87.1% |
| Participant deferral / active EE | $2,345 | $3,929-40.3% | $4,851-51.7% | $4,126-43.2% |
| Admin fee / account holder | $1,982 | $6,717-70.5% | $8,254-76.0% | $5,651-64.9% |