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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.)
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 | $2,893 | $45,123-93.6% | $85,240-96.6% | $74,478-96.1% |
| Participation rate | 69.2% | 49.4%+19.9pp | 67.5%+1.7pp | 67.2%+2.0pp |
| Annual return | 1.89% | 26.32%-24.4pp | 66.75%-64.9pp | 1370.56%-1368.7pp |
| Employer contribution / active EE | $207 | $1,459-85.8% | $2,735-92.4% | $2,626-92.1% |
| Participant deferral / active EE | $1,120 | $2,736-59.1% | $4,527-75.3% | $4,350-74.2% |
| Admin fee / account holder | $358 | $2,215-83.8% | $6,165-94.2% | $1,946-81.6% |