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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 | $37,371 | $88,137-57.6% | $164,975-77.3% | $74,429-49.8% |
| Participation rate | 60.5% | 73.1%-12.6pp | 78.6%-18.1pp | 67.2%-6.7pp |
| Annual return | 14.65% | 17.13%-2.5pp | 70.12%-55.5pp | 1368.38%-1353.7pp |
| Employer contribution / active EE | $429 | $2,597-83.5% | $4,343-90.1% | $2,625-83.7% |
| Participant deferral / active EE | $3,487 | $4,501-22.5% | $6,033-42.2% | $4,348-19.8% |
| Admin fee / account holder | $989 | $2,231-55.7% | $12,688-92.2% | $1,944-49.1% |