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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 | $46,464-73.6% | $150,298-91.8% | $79,634-84.6% |
| Participation rate | 33.3% | 57.0%-23.6pp | 77.8%-44.4pp | 62.5%-29.2pp |
| Annual return | 46.13% | 27.89%+18.2pp | 62.79%-16.7pp | 36.46%+9.7pp |
| Employer contribution / active EE | $176 | $1,512-88.4% | $4,154-95.8% | $2,529-93.0% |
| Participant deferral / active EE | $1,131 | $2,157-47.6% | $5,453-79.3% | $3,835-70.5% |
| Admin fee / account holder | $492 | $891-44.8% | $14,116-96.5% | $1,002-50.9% |