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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 | $28,470 | $91,439-68.9% | $135,974-79.1% | $71,511-60.2% |
| Participation rate | 69.1% | 75.7%-6.5pp | 81.9%-12.8pp | 67.9%+1.2pp |
| Annual return | 54.71% | 29.90%+24.8pp | 68.30%-13.6pp | 28.86%+25.9pp |
| Employer contribution / active EE | $7 | $3,705-99.8% | $4,859-99.9% | $2,589-99.7% |
| Participant deferral / active EE | $8,795 | $7,093+24.0% | $7,760+13.3% | $4,291+105.0% |
| Admin fee / account holder | $960 | $1,267-24.2% | $10,767-91.1% | $1,588-39.6% |