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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 | $31,818 | $88,183-63.9% | $107,187-70.3% | $71,012-55.2% |
| Participation rate | 18.0% | 67.5%-49.5pp | 75.0%-57.1pp | 58.6%-40.6pp |
| Annual return | 19.51% | 16.47%+3.0pp | 204.55%-185.0pp | 37.67%-18.2pp |
| Employer contribution / active EE | $754 | $3,914-80.7% | $3,782-80.1% | $2,348-67.9% |
| Participant deferral / active EE | $1,143 | $3,079-62.9% | $5,096-77.6% | $3,246-64.8% |
| Admin fee / account holder | $4,325 | $1,430+202.4% | $9,162-52.8% | $1,167+270.6% |