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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 | $7,195 | $29,569-75.7% | $56,077-87.2% | $77,714-90.7% |
| Participation rate | 41.5% | 32.6%+8.8pp | 52.5%-11.0pp | 70.6%-29.1pp |
| Annual return | 9.42% | 18.90%-9.5pp | 1709.28%-1699.9pp | 31.26%-21.8pp |
| Employer contribution / active EE | $1 | $569-99.8% | $1,040-99.9% | $2,727-100.0% |
| Participant deferral / active EE | $828 | $1,061-21.9% | $1,954-57.6% | $4,649-82.2% |
| Admin fee / account holder | $1,664 | $1,042+59.6% | $2,825-41.1% | $433+284.0% |