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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 | $25,984 | $64,909-60.0% | $82,312-68.4% | $62,293-58.3% |
| Participation rate | 45.2% | 74.9%-29.7pp | 76.9%-31.7pp | 69.5%-24.3pp |
| Annual return | 8.39% | 21.18%-12.8pp | 25.88%-17.5pp | 28.90%-20.5pp |
| Employer contribution / active EE | $1,064 | $1,676-36.5% | $2,428-56.2% | $2,042-47.9% |
| Participant deferral / active EE | $1,358 | $3,103-56.3% | $3,706-63.4% | $3,169-57.2% |
| Admin fee / account holder | $921 | $440+109.5% | $5,608-83.6% | $479+92.1% |