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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 | $91,120-83.1% | $161,149-90.4% | $64,097-76.0% |
| Participation rate | 31.2% | 62.2%-31.0pp | 78.8%-47.6pp | 55.2%-24.0pp |
| Annual return | 8.56% | 17.95%-9.4pp | 21.16%-12.6pp | 34.64%-26.1pp |
| Employer contribution / active EE | $0 | $2,284-100.0% | $4,360-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,739 | $3,708-53.1% | $6,153-71.7% | $3,080-43.5% |
| Admin fee / account holder | $1,396 | $4,535-69.2% | $15,194-90.8% | $3,454-59.6% |