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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 | $2,170 | $16,790-87.1% | $64,489-96.6% | $67,986-96.8% |
| Participation rate | 63.4% | 62.4%+1.0pp | 67.7%-4.2pp | 57.2%+6.2pp |
| Annual return | 40.56% | 30.55%+10.0pp | 55.03%-14.5pp | 31.67%+8.9pp |
| Employer contribution / active EE | $187 | $648-71.1% | $1,523-87.7% | $2,019-90.7% |
| Participant deferral / active EE | $751 | $1,510-50.3% | $2,778-73.0% | $3,358-77.6% |
| Admin fee / account holder | $440 | $1,690-73.9% | $4,260-89.7% | $3,203-86.3% |