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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 | $65,084-44.3% | $67,681-46.5% | $64,340-43.7% |
| Participation rate | 38.1% | 66.7%-28.6pp | 73.7%-35.6pp | 55.2%-17.2pp |
| Annual return | 16.45% | 20.50%-4.1pp | 590.58%-574.1pp | 24.14%-7.7pp |
| Employer contribution / active EE | $310 | $2,398-87.1% | $2,678-88.4% | $1,862-83.4% |
| Participant deferral / active EE | $1,567 | $3,210-51.2% | $3,976-60.6% | $2,980-47.4% |
| Admin fee / account holder | $2,103 | $1,415+48.7% | $6,100-65.5% | $3,703-43.2% |