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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 | $12,475 | $104,479-88.1% | $159,474-92.2% | $79,391-84.3% |
| Participation rate | 59.1% | 76.6%-17.5pp | 82.8%-23.7pp | 70.7%-11.6pp |
| Annual return | 13.32% | 67.98%-54.7pp | 263.68%-250.4pp | 116.88%-103.6pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $3,745 | $6,468-42.1% | $7,353-49.1% | $4,046-7.4% |
| Admin fee / account holder | $1,382 | $711+94.3% | $10,802-87.2% | $627+120.6% |