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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 | $52,459 | $80,748-35.0% | $102,383-48.8% | $74,429-29.5% |
| Participation rate | 47.0% | 65.7%-18.7pp | 74.5%-27.5pp | 67.2%-20.2pp |
| Annual return | 15.86% | 27.57%-11.7pp | 24.94%-9.1pp | 1368.38%-1352.5pp |
| Employer contribution / active EE | $539 | $3,159-83.0% | $3,870-86.1% | $2,625-79.5% |
| Participant deferral / active EE | $3,634 | $3,861-5.9% | $5,060-28.2% | $4,348-16.4% |
| Admin fee / account holder | $7,617 | $2,371+221.3% | $8,391-9.2% | $1,944+291.7% |