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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 | $21,138 | $62,686-66.3% | $178,505-88.2% | $77,762-72.8% |
| Participation rate | 24.2% | 66.9%-42.7pp | 77.1%-52.9pp | 70.6%-46.4pp |
| Annual return | 16.47% | 16.16%+0.3pp | 27.16%-10.7pp | 31.27%-14.8pp |
| Employer contribution / active EE | $575 | $1,914-70.0% | $3,955-85.5% | $2,728-78.9% |
| Participant deferral / active EE | $1,310 | $4,224-69.0% | $6,280-79.1% | $4,651-71.8% |
| Admin fee / account holder | $1,910 | $386+394.7% | $10,428-81.7% | $433+341.2% |