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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 | $2,697 | $51,092-94.7% | $76,735-96.5% | $79,634-96.6% |
| Participation rate | 68.5% | 50.2%+18.2pp | 69.5%-1.0pp | 62.5%+6.0pp |
| Annual return | 22.28% | 18.04%+4.2pp | 29.77%-7.5pp | 36.46%-14.2pp |
| Employer contribution / active EE | $174 | $1,519-88.5% | $2,454-92.9% | $2,529-93.1% |
| Participant deferral / active EE | $931 | $2,529-63.2% | $4,088-77.2% | $3,835-75.7% |
| Admin fee / account holder | $407 | $1,865-78.2% | $7,189-94.3% | $1,002-59.4% |