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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $24,790 | $104,497-76.3% | $159,487-84.5% | $79,389-68.8% |
| Participation rate | 48.6% | 76.6%-28.0pp | 82.8%-34.2pp | 70.7%-22.1pp |
| Annual return | 14.73% | 67.98%-53.2pp | 263.71%-249.0pp | 116.89%-102.2pp |
| Employer contribution / active EE | $1,687 | $3,418-50.6% | $4,831-65.1% | $2,428-30.5% |
| Participant deferral / active EE | $2,087 | $6,468-67.7% | $7,354-71.6% | $4,046-48.4% |
| Admin fee / account holder | $454 | $711-36.2% | $10,804-95.8% | $626-27.5% |