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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 | $99,442-63.2% | $113,397-67.8% | $71,012-48.5% |
| Participation rate | 47.1% | 78.9%-31.8pp | 76.5%-29.4pp | 58.6%-11.4pp |
| Annual return | 47.14% | 17.93%+29.2pp | 23.20%+23.9pp | 37.67%+9.5pp |
| Employer contribution / active EE | $0 | $3,068-100.0% | $2,977-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $6,425 | $4,915+30.7% | $5,076+26.6% | $3,246+98.0% |
| Admin fee / account holder | $3,308 | $535+518.5% | $11,957-72.3% | $1,167+183.4% |