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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $17,039 | $53,216-68.0% | $155,534-89.0% | $199,960-91.5% |
| Participation rate | 6.7% | 64.1%-57.4pp | 78.2%-71.5pp | 72.0%-65.3pp |
| Annual return | 18.00% | 41.18%-23.2pp | 64.92%-46.9pp | 34.28%-16.3pp |
| Employer contribution / active EE | $0 | $1,848-100.0% | $4,675-100.0% | $3,036-100.0% |
| Participant deferral / active EE | $453 | $3,164-85.7% | $5,630-92.0% | $5,087-91.1% |
| Admin fee / account holder | $991 | $186+433.4% | $15,900-93.8% | $269+267.8% |