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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.)
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 | $11,253 | $91,439-87.7% | $135,974-91.7% | $71,511-84.3% |
| Participation rate | 58.6% | 75.7%-17.1pp | 81.9%-23.3pp | 67.9%-9.3pp |
| Annual return | 41.96% | 29.90%+12.1pp | 68.30%-26.3pp | 28.86%+13.1pp |
| Employer contribution / active EE | $816 | $3,705-78.0% | $4,859-83.2% | $2,589-68.5% |
| Participant deferral / active EE | $3,939 | $7,093-44.5% | $7,760-49.2% | $4,291-8.2% |
| Admin fee / account holder | $1,774 | $1,267+40.1% | $10,767-83.5% | $1,588+11.7% |