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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 | $576 | $27,800-97.9% | $58,544-99.0% | $71,495-99.2% |
| Participation rate | 50.7% | 34.6%+16.1pp | 50.9%-0.1pp | 67.9%-17.2pp |
| Annual return | 5.58% | 26.80%-21.2pp | 4249.56%-4244.0pp | 28.85%-23.3pp |
| Employer contribution / active EE | $118 | $632-81.3% | $1,053-88.8% | $2,589-95.4% |
| Participant deferral / active EE | $384 | $1,208-68.2% | $1,923-80.0% | $4,291-91.0% |
| Admin fee / account holder | $336 | $1,637-79.5% | $2,520-86.7% | $1,588-78.8% |