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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 | $7,681 | $51,092-85.0% | $76,735-90.0% | $79,634-90.4% |
| Participation rate | 27.9% | 50.2%-22.4pp | 69.5%-41.6pp | 62.5%-34.6pp |
| Annual return | 13.19% | 18.04%-4.9pp | 29.77%-16.6pp | 36.46%-23.3pp |
| Employer contribution / active EE | $65 | $1,519-95.7% | $2,454-97.3% | $2,529-97.4% |
| Participant deferral / active EE | $954 | $2,529-62.3% | $4,088-76.7% | $3,835-75.1% |
| Admin fee / account holder | $846 | $1,865-54.6% | $7,189-88.2% | $1,002-15.5% |