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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $23,246 | $91,120-74.5% | $161,149-85.6% | $64,097-63.7% |
| Participation rate | 50.5% | 62.2%-11.7pp | 78.8%-28.3pp | 55.2%-4.7pp |
| Annual return | 12.02% | 17.95%-5.9pp | 21.16%-9.1pp | 34.64%-22.6pp |
| Employer contribution / active EE | $941 | $2,284-58.8% | $4,360-78.4% | $1,891-50.3% |
| Participant deferral / active EE | $2,196 | $3,708-40.8% | $6,153-64.3% | $3,080-28.7% |
| Admin fee / account holder | $1,480 | $4,535-67.4% | $15,194-90.3% | $3,454-57.2% |