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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 | $36,223 | $64,705-44.0% | $62,929-42.4% | $67,986-46.7% |
| Participation rate | 38.1% | 65.6%-27.5pp | 73.1%-35.0pp | 57.2%-19.1pp |
| Annual return | 16.45% | 20.31%-3.9pp | 1063.93%-1047.5pp | 31.67%-15.2pp |
| Employer contribution / active EE | $310 | $2,376-87.0% | $2,505-87.6% | $2,019-84.7% |
| Participant deferral / active EE | $1,567 | $3,198-51.0% | $3,888-59.7% | $3,358-53.3% |
| Admin fee / account holder | $2,103 | $1,428+47.3% | $5,065-58.5% | $3,203-34.3% |