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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 | $8,893 | $45,109-80.3% | $85,187-89.6% | $77,736-88.6% |
| Participation rate | 37.2% | 48.7%-11.5pp | 67.5%-30.3pp | 70.6%-33.4pp |
| Annual return | 8.32% | 79.55%-71.2pp | 66.67%-58.3pp | 31.26%-22.9pp |
| Employer contribution / active EE | $388 | $1,602-75.8% | $2,732-85.8% | $2,728-85.8% |
| Participant deferral / active EE | $580 | $2,814-79.4% | $4,525-87.2% | $4,651-87.5% |
| Admin fee / account holder | $1,181 | $915+29.1% | $6,162-80.8% | $433+172.6% |