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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 | $12,252 | $42,909-71.4% | $152,093-91.9% | $71,012-82.7% |
| Participation rate | 33.3% | 54.7%-21.3pp | 77.8%-44.4pp | 58.6%-25.2pp |
| Annual return | 46.13% | 30.57%+15.6pp | 66.36%-20.2pp | 37.67%+8.5pp |
| Employer contribution / active EE | $176 | $1,369-87.1% | $4,175-95.8% | $2,348-92.5% |
| Participant deferral / active EE | $1,131 | $1,904-40.6% | $5,451-79.3% | $3,246-65.2% |
| Admin fee / account holder | $492 | $1,014-51.5% | $14,497-96.6% | $1,167-57.9% |