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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.)
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 | $23,159 | $89,652-74.2% | $141,191-83.6% | $65,185-64.5% |
| Participation rate | 58.0% | 74.7%-16.7pp | 82.5%-24.5pp | 70.2%-12.2pp |
| Annual return | 34.33% | 32.79%+1.5pp | 71.41%-37.1pp | 29.38%+4.9pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $6,459 | $5,691+13.5% | $6,710-3.7% | $3,514+83.8% |
| Admin fee / account holder | $833 | $569+46.6% | $10,264-91.9% | $847-1.6% |