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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,678 | $106,524-85.3% | $152,301-89.7% | $87,485-82.1% |
| Participation rate | 58.7% | 75.8%-17.1pp | 82.4%-23.8pp | 68.9%-10.2pp |
| Annual return | 13.64% | 26.89%-13.2pp | 80.50%-66.9pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,155 | $3,371-65.7% | $4,624-75.0% | $2,596-55.5% |
| Participant deferral / active EE | $2,136 | $6,525-67.3% | $8,004-73.3% | $4,274-50.0% |
| Admin fee / account holder | $564 | $8,287-93.2% | $14,398-96.1% | $7,775-92.7% |