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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 | $3,087 | $78,197-96.1% | $98,090-96.9% | $82,637-96.3% |
| Participation rate | 61.3% | 77.5%-16.1pp | 81.5%-20.2pp | 68.1%-6.7pp |
| Annual return | 9.43% | 40.25%-30.8pp | 37.05%-27.6pp | 53.51%-44.1pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,060 | $6,636-84.0% | $7,845-86.5% | $4,126-74.3% |
| Admin fee / account holder | $319 | $14,832-97.9% | $11,815-97.3% | $7,339-95.7% |