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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 | $3,046 | $26,114-88.3% | $58,544-94.8% | $74,440-95.9% |
| Participation rate | 20.5% | 32.1%-11.6pp | 50.9%-30.3pp | 70.7%-50.2pp |
| Annual return | 7.04% | 32.51%-25.5pp | 4249.56%-4242.5pp | 34.37%-27.3pp |
| Employer contribution / active EE | $0 | $536-100.0% | $1,053-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $112 | $1,075-89.6% | $1,923-94.2% | $4,529-97.5% |
| Admin fee / account holder | $365 | $649-43.8% | $2,520-85.5% | $348+4.8% |