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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 | $18,966 | $46,464-59.2% | $150,298-87.4% | $79,634-76.2% |
| Participation rate | 11.4% | 57.0%-45.5pp | 77.8%-66.3pp | 62.5%-51.1pp |
| Annual return | 26.54% | 27.89%-1.3pp | 62.79%-36.2pp | 36.46%-9.9pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $972 | $2,157-54.9% | $5,453-82.2% | $3,835-74.6% |
| Admin fee / account holder | $2,238 | $891+151.3% | $14,116-84.1% | $1,002+123.4% |