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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 | $2,035 | $80,763-97.5% | $102,412-98.0% | $74,459-97.3% |
| Participation rate | 52.9% | 65.7%-12.7pp | 74.5%-21.6pp | 67.2%-14.3pp |
| Annual return | 9.67% | 27.57%-17.9pp | 24.94%-15.3pp | 1369.70%-1360.0pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $608 | $3,862-84.3% | $5,060-88.0% | $4,350-86.0% |
| Admin fee / account holder | $426 | $2,371-82.1% | $8,388-94.9% | $1,945-78.1% |