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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 | $19,508 | $50,902-61.7% | $155,534-87.5% | $77,736-74.9% |
| Participation rate | 25.2% | 63.1%-37.9pp | 78.2%-53.0pp | 70.6%-45.4pp |
| Annual return | 15.24% | 34.85%-19.6pp | 64.92%-49.7pp | 31.26%-16.0pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,722 | $2,824-39.0% | $5,630-69.4% | $4,651-63.0% |
| Admin fee / account holder | $1,097 | $437+151.1% | $15,900-93.1% | $433+153.3% |