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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.)
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 | $18,206 | $75,058-75.7% | $152,301-88.0% | $64,340-71.7% |
| Participation rate | 31.5% | 60.9%-29.4pp | 82.4%-51.0pp | 55.2%-23.8pp |
| Annual return | 8.12% | 29.93%-21.8pp | 80.50%-72.4pp | 24.14%-16.0pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,847 | $5,041-63.4% | $8,004-76.9% | $2,980-38.0% |
| Admin fee / account holder | $3,788 | $4,050-6.5% | $14,398-73.7% | $3,703+2.3% |