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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 | $33,324 | $47,180-29.4% | $149,723-77.7% | $74,473-55.3% |
| Participation rate | 17.6% | 63.4%-45.8pp | 78.8%-61.1pp | 70.7%-53.1pp |
| Annual return | 20.56% | 22.75%-2.2pp | 134.50%-113.9pp | 34.36%-13.8pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $437 | $2,730-84.0% | $5,682-92.3% | $4,530-90.4% |
| Admin fee / account holder | $2,426 | $343+607.1% | $13,215-81.6% | $347+599.0% |