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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $36,480 | $101,591-64.1% | $147,096-75.2% | $74,429-51.0% |
| Participation rate | 41.9% | 75.5%-33.6pp | 82.2%-40.3pp | 67.2%-25.3pp |
| Annual return | 14.96% | 8746.45%-8731.5pp | 419.75%-404.8pp | 1368.38%-1353.4pp |
| Employer contribution / active EE | $1,875 | $3,813-50.8% | $4,936-62.0% | $2,625-28.6% |
| Participant deferral / active EE | $2,423 | $7,302-66.8% | $8,071-70.0% | $4,348-44.3% |
| Admin fee / account holder | $1,388 | $1,750-20.7% | $13,005-89.3% | $1,944-28.6% |