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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 | $14,436 | $50,860-71.6% | $155,574-90.7% | $77,714-81.4% |
| Participation rate | 34.6% | 63.1%-28.5pp | 78.2%-43.6pp | 70.6%-35.9pp |
| Annual return | 11.34% | 34.86%-23.5pp | 64.87%-53.5pp | 31.26%-19.9pp |
| Employer contribution / active EE | $450 | $1,991-77.4% | $4,676-90.4% | $2,727-83.5% |
| Participant deferral / active EE | $1,314 | $2,825-53.5% | $5,629-76.7% | $4,649-71.7% |
| Admin fee / account holder | $587 | $436+34.4% | $15,914-96.3% | $433+35.4% |