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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 | $13,271 | $54,679-75.7% | $76,119-82.6% | $74,459-82.2% |
| Participation rate | 48.4% | 60.3%-12.0pp | 69.1%-20.7pp | 67.2%-18.9pp |
| Annual return | 15.40% | 31.90%-16.5pp | 361.25%-345.8pp | 1369.70%-1354.3pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,017 | $3,072-34.3% | $4,259-52.6% | $4,350-53.6% |
| Admin fee / account holder | $1,084 | $2,238-51.6% | $6,421-83.1% | $1,945-44.3% |