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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 | $20,400 | $83,045-75.4% | $130,026-84.3% | $71,495-71.5% |
| Participation rate | 40.7% | 74.1%-33.4pp | 78.5%-37.8pp | 67.9%-27.2pp |
| Annual return | 24.17% | 20.61%+3.6pp | -137.26%+161.4pp | 28.85%-4.7pp |
| Employer contribution / active EE | $461 | $2,623-82.4% | $4,321-89.3% | $2,589-82.2% |
| Participant deferral / active EE | $3,927 | $4,436-11.5% | $5,821-32.5% | $4,291-8.5% |
| Admin fee / account holder | $721 | $1,727-58.2% | $10,608-93.2% | $1,588-54.6% |