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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $31,395 | $79,223-60.4% | $102,460-69.4% | $74,478-57.8% |
| Participation rate | 59.3% | 74.8%-15.5pp | 76.5%-17.3pp | 67.2%-8.0pp |
| Annual return | 11.02% | 54.98%-44.0pp | 29.47%-18.4pp | 1370.56%-1359.5pp |
| Employer contribution / active EE | $813 | $2,363-65.6% | $3,025-73.1% | $2,626-69.0% |
| Participant deferral / active EE | $2,447 | $4,417-44.6% | $5,056-51.6% | $4,350-43.7% |
| Admin fee / account holder | $5,231 | $2,003+161.1% | $9,460-44.7% | $1,946+168.8% |