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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 | $37,422-79.5% | $92,985-91.7% | $64,728-88.1% |
| Participation rate | 27.9% | 40.1%-12.3pp | 69.5%-41.6pp | 57.9%-30.0pp |
| Annual return | 13.19% | 20.66%-7.5pp | 27.99%-14.8pp | 49.38%-36.2pp |
| Employer contribution / active EE | $65 | $1,156-94.3% | $2,662-97.5% | $2,243-97.1% |
| Participant deferral / active EE | $954 | $1,740-45.2% | $4,377-78.2% | $2,729-65.0% |
| Admin fee / account holder | $846 | $2,190-61.3% | $9,463-91.1% | $1,145-26.1% |