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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 | $8,180 | $26,114-68.7% | $58,544-86.0% | $74,440-89.0% |
| Participation rate | 12.4% | 32.1%-19.7pp | 50.9%-38.4pp | 70.7%-58.3pp |
| Annual return | 34.79% | 32.51%+2.3pp | 4249.56%-4214.8pp | 34.37%+0.4pp |
| Employer contribution / active EE | $2 | $536-99.6% | $1,053-99.8% | $2,638-99.9% |
| Participant deferral / active EE | $912 | $1,075-15.1% | $1,923-52.6% | $4,529-79.9% |
| Admin fee / account holder | $1,463 | $649+125.4% | $2,520-41.9% | $348+320.7% |