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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 | $36,002-47.3% | $161,489-88.3% | $64,728-70.7% |
| Participation rate | 11.4% | 57.4%-46.0pp | 78.7%-67.3pp | 57.9%-46.5pp |
| Annual return | 26.54% | 33.93%-7.4pp | 89.72%-63.2pp | 49.38%-22.8pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $972 | $1,815-46.4% | $5,630-82.7% | $2,729-64.4% |
| Admin fee / account holder | $2,238 | $931+140.5% | $16,006-86.0% | $1,145+95.5% |