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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 | $37,879 | $79,223-52.2% | $102,460-63.0% | $74,478-49.1% |
| Participation rate | 56.7% | 74.8%-18.0pp | 76.5%-19.8pp | 67.2%-10.5pp |
| Annual return | 14.49% | 54.98%-40.5pp | 29.47%-15.0pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $296 | $2,363-87.5% | $3,025-90.2% | $2,626-88.7% |
| Participant deferral / active EE | $3,193 | $4,417-27.7% | $5,056-36.8% | $4,350-26.6% |
| Admin fee / account holder | $2,197 | $2,003+9.7% | $9,460-76.8% | $1,946+12.9% |