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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 | $3,021 | $50,902-94.1% | $155,534-98.1% | $77,736-96.1% |
| Participation rate | 23.1% | 63.1%-40.0pp | 78.2%-55.1pp | 70.6%-47.5pp |
| Annual return | -3.72% | 34.85%-38.6pp | 64.92%-68.6pp | 31.26%-35.0pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $209 | $2,824-92.6% | $5,630-96.3% | $4,651-95.5% |
| Admin fee / account holder | $368 | $437-15.8% | $15,900-97.7% | $433-15.1% |