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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 | $15,912 | $55,457-71.3% | $76,119-79.1% | $77,736-79.5% |
| Participation rate | 36.3% | 63.6%-27.3pp | 69.1%-32.7pp | 70.6%-34.3pp |
| Annual return | 65.35% | 17.09%+48.3pp | 361.25%-295.9pp | 31.26%+34.1pp |
| Employer contribution / active EE | $274 | $1,792-84.7% | $2,693-89.8% | $2,728-89.9% |
| Participant deferral / active EE | $1,804 | $3,454-47.8% | $4,259-57.6% | $4,651-61.2% |
| Admin fee / account holder | $672 | $411+63.6% | $6,421-89.5% | $433+55.1% |