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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 | $44,622 | $54,213-17.7% | $93,696-52.4% | $77,736-42.6% |
| Participation rate | 34.2% | 64.0%-29.7pp | 68.7%-34.5pp | 70.6%-36.4pp |
| Annual return | 18.15% | 30.55%-12.4pp | 133.74%-115.6pp | 31.26%-13.1pp |
| Employer contribution / active EE | $90 | $1,168-92.3% | $2,422-96.3% | $2,728-96.7% |
| Participant deferral / active EE | $2,540 | $3,145-19.3% | $4,417-42.5% | $4,651-45.4% |
| Admin fee / account holder | $2,941 | $575+411.6% | $8,287-64.5% | $433+578.6% |