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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 | $6,797 | $27,826-75.6% | $65,328-89.6% | $71,495-90.5% |
| Participation rate | 59.0% | 57.6%+1.4pp | 64.9%-5.9pp | 67.9%-8.9pp |
| Annual return | 24.41% | 41.56%-17.1pp | 47.39%-23.0pp | 28.85%-4.4pp |
| Employer contribution / active EE | $10 | $1,405-99.3% | $1,692-99.4% | $2,589-99.6% |
| Participant deferral / active EE | $3,688 | $1,861+98.2% | $2,832+30.2% | $4,291-14.0% |
| Admin fee / account holder | $2,459 | $3,850-36.1% | $4,116-40.3% | $1,588+54.9% |