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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $2,055 | $36,943-94.4% | $52,425-96.1% | $103,975-98.0% |
| Participation rate | 35.8% | 27.5%+8.2pp | 55.6%-19.9pp | 72.5%-36.8pp |
| Annual return | 6.75% | 17.59%-10.8pp | 302.12%-295.4pp | 19.41%-12.7pp |
| Employer contribution / active EE | $72 | $884-91.9% | $914-92.1% | $3,722-98.1% |
| Participant deferral / active EE | $170 | $1,347-87.4% | $1,790-90.5% | $5,343-96.8% |
| Admin fee / account holder | $465 | $508-8.4% | $2,495-81.4% | $332+39.9% |