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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $16,169 | $59,006-72.6% | $97,295-83.4% | $74,478-78.3% |
| Participation rate | 63.8% | 63.7%+0.1pp | 72.7%-8.8pp | 67.2%-3.4pp |
| Annual return | 10.60% | 16.04%-5.4pp | 75.62%-65.0pp | 1370.56%-1360.0pp |
| Employer contribution / active EE | $526 | $1,894-72.2% | $2,723-80.7% | $2,626-80.0% |
| Participant deferral / active EE | $1,398 | $3,671-61.9% | $4,264-67.2% | $4,350-67.9% |
| Admin fee / account holder | $408 | $1,974-79.4% | $5,646-92.8% | $1,946-79.1% |