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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 | $75,058-40.7% | $152,301-70.8% | $64,340-30.8% |
| Participation rate | 63.3% | 60.9%+2.4pp | 82.4%-19.1pp | 55.2%+8.1pp |
| Annual return | 48.21% | 29.93%+18.3pp | 80.50%-32.3pp | 24.14%+24.1pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $10,964 | $5,041+117.5% | $8,004+37.0% | $2,980+267.9% |
| Admin fee / account holder | $3,227 | $4,050-20.3% | $14,398-77.6% | $3,703-12.8% |