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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 | $43,736 | $45,109-3.0% | $85,187-48.7% | $77,736-43.7% |
| Participation rate | 17.0% | 48.7%-31.7pp | 67.5%-50.5pp | 70.6%-53.6pp |
| Annual return | 2952.10% | 79.55%+2872.5pp | 66.67%+2885.4pp | 31.26%+2920.8pp |
| Employer contribution / active EE | $6 | $1,602-99.6% | $2,732-99.8% | $2,728-99.8% |
| Participant deferral / active EE | $1,134 | $2,814-59.7% | $4,525-74.9% | $4,651-75.6% |
| Admin fee / account holder | $39,589 | $915+4227.3% | $6,162+542.5% | $433+9036.5% |