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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 | $3,839 | $45,123-91.5% | $85,240-95.5% | $74,478-94.8% |
| Participation rate | 56.8% | 49.4%+7.5pp | 67.5%-10.7pp | 67.2%-10.4pp |
| Annual return | 7.62% | 26.32%-18.7pp | 66.75%-59.1pp | 1370.56%-1362.9pp |
| Employer contribution / active EE | $256 | $1,459-82.5% | $2,735-90.7% | $2,626-90.3% |
| Participant deferral / active EE | $1,159 | $2,736-57.7% | $4,527-74.4% | $4,350-73.4% |
| Admin fee / account holder | $1,179 | $2,215-46.8% | $6,165-80.9% | $1,946-39.4% |