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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 | $15,409 | $95,904-83.9% | $173,730-91.1% | $64,340-76.1% |
| Participation rate | 31.2% | 60.6%-29.4pp | 79.6%-48.4pp | 55.2%-24.1pp |
| Annual return | 8.56% | 17.47%-8.9pp | 19.96%-11.4pp | 24.14%-15.6pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $4,577-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,739 | $3,488-50.1% | $6,326-72.5% | $2,980-41.6% |
| Admin fee / account holder | $1,396 | $5,089-72.6% | $17,523-92.0% | $3,703-62.3% |