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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 | $36,564 | $103,024-64.5% | $112,040-67.4% | $79,634-54.1% |
| Participation rate | 47.1% | 80.6%-33.4pp | 76.5%-29.4pp | 62.5%-15.4pp |
| Annual return | 47.14% | 17.60%+29.5pp | 24.52%+22.6pp | 36.46%+10.7pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $2,954-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $6,425 | $5,233+22.8% | $5,098+26.0% | $3,835+67.6% |
| Admin fee / account holder | $3,308 | $465+611.5% | $12,098-72.7% | $1,002+230.2% |