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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $2,051 | $45,109-95.5% | $85,240-97.6% | $77,762-97.4% |
| Participation rate | 22.3% | 48.7%-26.4pp | 67.5%-45.3pp | 70.6%-48.3pp |
| Annual return | 10.05% | 79.55%-69.5pp | 66.75%-56.7pp | 31.27%-21.2pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $379 | $2,814-86.5% | $4,527-91.6% | $4,651-91.9% |
| Admin fee / account holder | $325 | $915-64.4% | $6,165-94.7% | $433-24.8% |