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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 | $43,343 | $88,360-50.9% | $145,433-70.2% | $67,986-36.2% |
| Participation rate | 69.8% | 65.5%+4.3pp | 82.1%-12.3pp | 57.2%+12.6pp |
| Annual return | 64.64% | 63.15%+1.5pp | 66.58%-1.9pp | 31.67%+33.0pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $10,475 | $5,932+76.6% | $7,897+32.6% | $3,358+211.9% |
| Admin fee / account holder | $2,942 | $3,313-11.2% | $13,129-77.6% | $3,203-8.1% |