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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 | $6,347 | $55,437-88.6% | $155,534-95.9% | $74,459-91.5% |
| Participation rate | 68.4% | 61.9%+6.5pp | 78.2%-9.8pp | 67.2%+1.2pp |
| Annual return | 7.40% | 269.58%-262.2pp | 64.92%-57.5pp | 1369.70%-1362.3pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,542 | $2,837-45.6% | $5,630-72.6% | $4,350-64.5% |
| Admin fee / account holder | $1,433 | $1,742-17.8% | $15,900-91.0% | $1,945-26.3% |