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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 | $12,528 | $42,909-70.8% | $152,093-91.8% | $71,012-82.4% |
| Participation rate | 12.9% | 54.7%-41.8pp | 77.8%-64.9pp | 58.6%-45.6pp |
| Annual return | 24.59% | 30.57%-6.0pp | 66.36%-41.8pp | 37.67%-13.1pp |
| Employer contribution / active EE | $128 | $1,369-90.7% | $4,175-96.9% | $2,348-94.6% |
| Participant deferral / active EE | $567 | $1,904-70.2% | $5,451-89.6% | $3,246-82.5% |
| Admin fee / account holder | $512 | $1,014-49.5% | $14,497-96.5% | $1,167-56.1% |