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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 | $24,621 | $78,636-68.7% | $105,607-76.7% | $74,459-66.9% |
| Participation rate | 47.3% | 72.8%-25.4pp | 75.3%-27.9pp | 67.2%-19.9pp |
| Annual return | 9.66% | 15.96%-6.3pp | 116.11%-106.4pp | 1369.70%-1360.0pp |
| Employer contribution / active EE | $918 | $2,523-63.6% | $3,167-71.0% | $2,626-65.0% |
| Participant deferral / active EE | $1,704 | $4,322-60.6% | $5,011-66.0% | $4,350-60.8% |
| Admin fee / account holder | $1,920 | $2,220-13.5% | $10,958-82.5% | $1,945-1.3% |