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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 | $33,966 | $77,788-56.3% | $119,126-71.5% | $64,728-47.5% |
| Participation rate | 26.8% | 69.4%-42.6pp | 75.8%-49.0pp | 57.9%-31.1pp |
| Annual return | 24.52% | 13.19%+11.3pp | 282.11%-257.6pp | 49.38%-24.9pp |
| Employer contribution / active EE | $505 | $4,031-87.5% | $4,034-87.5% | $2,243-77.5% |
| Participant deferral / active EE | $1,328 | $2,599-48.9% | $5,318-75.0% | $2,729-51.3% |
| Admin fee / account holder | $2,793 | $1,365+104.6% | $10,693-73.9% | $1,145+143.9% |