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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 | $32,127 | $130,294-75.3% | $170,028-81.1% | $71,495-55.1% |
| Participation rate | 65.8% | 86.2%-20.4pp | 87.0%-21.2pp | 67.9%-2.1pp |
| Annual return | 52.47% | 20.36%+32.1pp | 53.39%-0.9pp | 28.85%+23.6pp |
| Employer contribution / active EE | $1,192 | $4,385-72.8% | $6,788-82.4% | $2,589-54.0% |
| Participant deferral / active EE | $5,734 | $6,928-17.2% | $10,409-44.9% | $4,291+33.6% |
| Admin fee / account holder | $796 | $966-17.6% | $12,820-93.8% | $1,588-49.9% |