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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $17,365 | $91,439-81.0% | $135,974-87.2% | $71,511-75.7% |
| Participation rate | 66.3% | 75.7%-9.3pp | 81.9%-15.6pp | 67.9%-1.6pp |
| Annual return | 14.05% | 29.90%-15.8pp | 68.30%-54.3pp | 28.86%-14.8pp |
| Employer contribution / active EE | $1,210 | $3,705-67.3% | $4,859-75.1% | $2,589-53.3% |
| Participant deferral / active EE | $2,954 | $7,093-58.4% | $7,760-61.9% | $4,291-31.1% |
| Admin fee / account holder | $2,409 | $1,267+90.2% | $10,767-77.6% | $1,588+51.7% |