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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 | $44,496 | $88,360-49.6% | $145,433-69.4% | $67,986-34.6% |
| Participation rate | 63.3% | 65.5%-2.2pp | 82.1%-18.8pp | 57.2%+6.1pp |
| Annual return | 48.21% | 63.15%-14.9pp | 66.58%-18.4pp | 31.67%+16.5pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $10,964 | $5,932+84.8% | $7,897+38.8% | $3,358+226.5% |
| Admin fee / account holder | $3,227 | $3,313-2.6% | $13,129-75.4% | $3,203+0.8% |