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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 | $21,378 | $80,731-73.5% | $103,378-79.3% | $74,400-71.3% |
| Participation rate | 59.5% | 65.7%-6.2pp | 74.5%-15.0pp | 67.2%-7.7pp |
| Annual return | 17.07% | 27.56%-10.5pp | 24.91%-7.8pp | 1367.51%-1350.4pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $3,391 | $3,862-12.2% | $5,058-33.0% | $4,348-22.0% |
| Admin fee / account holder | $7,816 | $2,369+229.8% | $8,401-7.0% | $1,944+302.1% |