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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 | $19,383 | $77,492-75.0% | $100,398-80.7% | $80,911-76.0% |
| Participation rate | 64.1% | 76.9%-12.9pp | 81.5%-17.4pp | 67.6%-3.6pp |
| Annual return | 11.08% | 37.23%-26.2pp | 49.32%-38.2pp | 35.63%-24.5pp |
| Employer contribution / active EE | $1,500 | $2,800-46.4% | $3,946-62.0% | $2,756-45.6% |
| Participant deferral / active EE | $4,861 | $6,817-28.7% | $8,084-39.9% | $4,297+13.1% |
| Admin fee / account holder | $5,617 | $5,892-4.7% | $7,893-28.8% | $6,935-19.0% |