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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 | $3,981 | $61,391-93.5% | $149,723-97.3% | $71,529-94.4% |
| Participation rate | 25.1% | 62.5%-37.4pp | 78.8%-53.7pp | 67.9%-42.8pp |
| Annual return | 17.52% | 35.88%-18.4pp | 134.50%-117.0pp | 28.97%-11.5pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $4,821-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,291 | $2,921-55.8% | $5,682-77.3% | $4,291-69.9% |
| Admin fee / account holder | $1,335 | $1,264+5.6% | $13,215-89.9% | $1,588-15.9% |