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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 | $32,969 | $88,360-62.7% | $145,433-77.3% | $67,986-51.5% |
| Participation rate | 54.8% | 65.5%-10.7pp | 82.1%-27.3pp | 57.2%-2.4pp |
| Annual return | 36.13% | 63.15%-27.0pp | 66.58%-30.4pp | 31.67%+4.5pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $9,548 | $5,932+61.0% | $7,897+20.9% | $3,358+184.3% |
| Admin fee / account holder | $7,127 | $3,313+115.1% | $13,129-45.7% | $3,203+122.5% |