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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 | $6,604 | $99,957-93.4% | $149,730-95.6% | $73,493-91.0% |
| Participation rate | 68.0% | 75.7%-7.7pp | 82.5%-14.5pp | 70.7%-2.7pp |
| Annual return | 1.10% | 53.87%-52.8pp | 276.70%-275.6pp | 28.51%-27.4pp |
| Employer contribution / active EE | $846 | $3,191-73.5% | $4,645-81.8% | $2,270-62.7% |
| Participant deferral / active EE | $1,053 | $6,073-82.7% | $6,843-84.6% | $3,740-71.9% |
| Admin fee / account holder | $4,443 | $551+706.9% | $9,310-52.3% | $513+766.0% |