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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 | $4,801 | $73,978-93.5% | $96,515-95.0% | $75,173-93.6% |
| Participation rate | 63.9% | 66.4%-2.6pp | 74.3%-10.5pp | 67.2%-3.3pp |
| Annual return | 11.05% | 26.72%-15.7pp | 35.73%-24.7pp | 160.72%-149.7pp |
| Employer contribution / active EE | $1,454 | $2,931-50.4% | $3,740-61.1% | $2,671-45.6% |
| Participant deferral / active EE | $634 | $3,660-82.7% | $4,880-87.0% | $4,126-84.6% |
| Admin fee / account holder | $1,389 | $5,219-73.4% | $6,735-79.4% | $5,651-75.4% |