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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 | $80,731-41.7% | $103,378-54.5% | $74,400-36.7% |
| Participation rate | 64.4% | 65.7%-1.3pp | 74.5%-10.1pp | 67.2%-2.8pp |
| Annual return | 11.32% | 27.56%-16.2pp | 24.91%-13.6pp | 1367.51%-1356.2pp |
| Employer contribution / active EE | $3,799 | $3,159+20.3% | $3,870-1.8% | $2,624+44.8% |
| Participant deferral / active EE | $1,395 | $3,862-63.9% | $5,058-72.4% | $4,348-67.9% |
| Admin fee / account holder | $5,536 | $2,369+133.6% | $8,401-34.1% | $1,944+184.8% |