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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 | $14,041 | $101,653-86.2% | $147,080-90.5% | $74,459-81.1% |
| Participation rate | 54.2% | 75.6%-21.4pp | 82.2%-28.0pp | 67.2%-13.0pp |
| Annual return | 11.84% | 8754.98%-8743.1pp | 420.17%-408.3pp | 1369.70%-1357.9pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,073 | $7,304-71.6% | $8,066-74.3% | $4,350-52.3% |
| Admin fee / account holder | $2,642 | $1,752+50.8% | $12,989-79.7% | $1,945+35.9% |