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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.)
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 | $12,755 | $58,320-78.1% | $86,439-85.2% | $66,930-80.9% |
| Participation rate | 58.8% | 78.6%-19.8pp | 80.3%-21.5pp | 69.8%-11.0pp |
| Annual return | -22.84% | -9.71%-13.1pp | 4395.55%-4418.4pp | 1.57%-24.4pp |
| Employer contribution / active EE | $0 | $2,615-100.0% | $3,769-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $7,140 | $6,899+3.5% | $6,952+2.7% | $4,238+68.5% |
| Admin fee / account holder | $681 | $546+24.7% | $6,732-89.9% | $593+14.7% |