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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.)
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 | $6,194 | $28,167-78.0% | $73,658-91.6% | $64,728-90.4% |
| Participation rate | 33.7% | 21.1%+12.6pp | 57.0%-23.3pp | 57.9%-24.2pp |
| Annual return | 21.30% | 139.75%-118.4pp | 29.72%-8.4pp | 49.38%-28.1pp |
| Employer contribution / active EE | $30 | $373-91.9% | $1,032-97.1% | $2,243-98.7% |
| Participant deferral / active EE | $508 | $597-15.0% | $2,062-75.4% | $2,729-81.4% |
| Admin fee / account holder | $420 | $1,791-76.5% | $3,357-87.5% | $1,145-63.3% |