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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 | $11,370 | $104,829-89.2% | $142,942-92.0% | $79,634-85.7% |
| Participation rate | 31.2% | 66.2%-35.0pp | 76.8%-45.7pp | 62.5%-31.3pp |
| Annual return | 10.05% | 15.48%-5.4pp | 113.70%-103.7pp | 36.46%-26.4pp |
| Employer contribution / active EE | $240 | $3,867-93.8% | $4,139-94.2% | $2,529-90.5% |
| Participant deferral / active EE | $726 | $5,222-86.1% | $7,128-89.8% | $3,835-81.1% |
| Admin fee / account holder | $2,511 | $887+183.3% | $12,475-79.9% | $1,002+150.6% |