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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $5,830 | $44,746-87.0% | $88,179-93.4% | $64,097-90.9% |
| Participation rate | 57.1% | 39.8%+17.3pp | 69.1%-12.1pp | 55.2%+1.9pp |
| Annual return | 13.84% | 24.70%-10.9pp | 64.97%-51.1pp | 34.64%-20.8pp |
| Employer contribution / active EE | $0 | $1,078-100.0% | $2,549-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $841 | $2,072-59.4% | $4,614-81.8% | $3,080-72.7% |
| Admin fee / account holder | $393 | $3,437-88.6% | $7,673-94.9% | $3,454-88.6% |