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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 | $9,797 | $73,102-86.6% | $123,552-92.1% | $56,287-82.6% |
| Participation rate | 43.3% | 74.3%-31.0pp | 82.3%-39.0pp | 69.9%-26.5pp |
| Annual return | -19.09% | 3.01%-22.1pp | 119.20%-138.3pp | -9.96%-9.1pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,681 | $5,423-32.1% | $6,426-42.7% | $3,350+9.9% |
| Admin fee / account holder | $498 | $554-10.1% | $9,285-94.6% | $521-4.4% |