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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 | $27,355 | $105,248-74.0% | $147,318-81.4% | $71,012-61.5% |
| Participation rate | 14.3% | 66.1%-51.8pp | 82.1%-67.7pp | 58.6%-44.2pp |
| Annual return | 46.22% | 26.02%+20.2pp | 70.43%-24.2pp | 37.67%+8.6pp |
| Employer contribution / active EE | $418 | $3,785-89.0% | $4,593-90.9% | $2,348-82.2% |
| Participant deferral / active EE | $594 | $6,452-90.8% | $7,906-92.5% | $3,246-81.7% |
| Admin fee / account holder | $897 | $862+4.0% | $13,708-93.5% | $1,167-23.1% |