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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 | $36,198-78.8% | $94,215-91.8% | $65,191-88.2% |
| Participation rate | 27.9% | 43.6%-15.7pp | 70.0%-42.1pp | 63.0%-35.1pp |
| Annual return | 13.19% | 23.45%-10.3pp | 28.22%-15.0pp | 51.24%-38.0pp |
| Employer contribution / active EE | $65 | $1,189-94.5% | $2,675-97.6% | $2,400-97.3% |
| Participant deferral / active EE | $954 | $1,716-44.4% | $4,276-77.7% | $2,671-64.3% |
| Admin fee / account holder | $846 | $2,162-60.8% | $10,216-91.7% | $907-6.7% |