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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 | $20,682 | $79,700-74.1% | $153,500-86.5% | $74,429-72.2% |
| Participation rate | 68.8% | 69.8%-1.0pp | 77.1%-8.3pp | 67.2%+1.6pp |
| Annual return | 13.27% | 15.07%-1.8pp | 15.70%-2.4pp | 1368.38%-1355.1pp |
| Employer contribution / active EE | $1,010 | $4,016-74.9% | $5,039-80.0% | $2,625-61.5% |
| Participant deferral / active EE | $2,863 | $5,315-46.1% | $6,756-57.6% | $4,348-34.2% |
| Admin fee / account holder | $1,690 | $1,790-5.6% | $12,736-86.7% | $1,944-13.1% |