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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 | $12,882 | $69,511-81.5% | $94,664-86.4% | $71,511-82.0% |
| Participation rate | 50.3% | 78.4%-28.1pp | 80.8%-30.5pp | 67.9%-17.6pp |
| Annual return | 32.16% | 29.67%+2.5pp | 156.84%-124.7pp | 28.86%+3.3pp |
| Employer contribution / active EE | $0 | $2,853-100.0% | $3,673-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,770 | $7,348-48.7% | $7,417-49.2% | $4,291-12.1% |
| Admin fee / account holder | $2,321 | $1,211+91.7% | $7,222-67.9% | $1,588+46.1% |