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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 | $20,497 | $79,045-74.1% | $100,378-79.6% | $74,429-72.5% |
| Participation rate | 56.4% | 79.4%-23.0pp | 81.5%-25.1pp | 67.2%-10.8pp |
| Annual return | 69.90% | 20.61%+49.3pp | 49.41%+20.5pp | 1368.38%-1298.5pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,942-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,063 | $7,751-47.6% | $8,087-49.8% | $4,348-6.6% |
| Admin fee / account holder | $548 | $1,335-58.9% | $7,899-93.1% | $1,944-71.8% |