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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 | $47,074 | $80,781-41.7% | $102,437-54.0% | $74,478-36.8% |
| Participation rate | 64.4% | 65.7%-1.3pp | 74.5%-10.1pp | 67.2%-2.8pp |
| Annual return | 11.32% | 27.58%-16.3pp | 24.95%-13.6pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $3,799 | $3,160+20.2% | $3,871-1.8% | $2,626+44.7% |
| Participant deferral / active EE | $1,395 | $3,862-63.9% | $5,060-72.4% | $4,350-67.9% |
| Admin fee / account holder | $5,536 | $2,372+133.4% | $8,388-34.0% | $1,946+184.5% |