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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 | $2,290 | $16,790-86.4% | $64,489-96.4% | $67,986-96.6% |
| Participation rate | 67.6% | 62.4%+5.2pp | 67.7%-0.1pp | 57.2%+10.4pp |
| Annual return | 16.25% | 30.55%-14.3pp | 55.03%-38.8pp | 31.67%-15.4pp |
| Employer contribution / active EE | $154 | $648-76.2% | $1,523-89.9% | $2,019-92.4% |
| Participant deferral / active EE | $803 | $1,510-46.8% | $2,778-71.1% | $3,358-76.1% |
| Admin fee / account holder | $372 | $1,690-78.0% | $4,260-91.3% | $3,203-88.4% |