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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 | $30,711 | $83,002-63.0% | $98,090-68.7% | $64,097-52.1% |
| Participation rate | 68.5% | 75.0%-6.5pp | 81.5%-13.0pp | 55.2%+13.3pp |
| Annual return | 70.86% | 38.51%+32.4pp | 37.05%+33.8pp | 34.64%+36.2pp |
| Employer contribution / active EE | $0 | $2,749-100.0% | $3,606-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $8,910 | $6,787+31.3% | $7,845+13.6% | $3,080+189.3% |
| Admin fee / account holder | $2,932 | $3,015-2.7% | $11,815-75.2% | $3,454-15.1% |