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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.)
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 | $2,492 | $55,902-95.5% | $76,030-96.7% | $80,959-96.9% |
| Participation rate | 64.8% | 62.1%+2.8pp | 69.1%-4.2pp | 67.7%-2.8pp |
| Annual return | 6.72% | 20.59%-13.9pp | 361.54%-354.8pp | 35.67%-28.9pp |
| Employer contribution / active EE | $252 | $1,867-86.5% | $2,688-90.6% | $2,757-90.9% |
| Participant deferral / active EE | $1,075 | $3,051-64.8% | $4,257-74.7% | $4,300-75.0% |
| Admin fee / account holder | $347 | $5,239-93.4% | $6,421-94.6% | $6,925-95.0% |