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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 | $5,977 | $93,345-93.6% | $119,126-95.0% | $87,485-93.2% |
| Participation rate | 58.3% | 68.7%-10.4pp | 75.8%-17.4pp | 68.9%-10.6pp |
| Annual return | 11.50% | 19.08%-7.6pp | 282.11%-270.6pp | 26.06%-14.6pp |
| Employer contribution / active EE | $4,615 | $3,172+45.5% | $4,034+14.4% | $2,596+77.8% |
| Participant deferral / active EE | $554 | $4,099-86.5% | $5,318-89.6% | $4,274-87.0% |
| Admin fee / account holder | $1,510 | $8,039-81.2% | $10,693-85.9% | $7,775-80.6% |