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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 | $15,182 | $91,439-83.4% | $135,974-88.8% | $71,511-78.8% |
| Participation rate | 20.5% | 75.7%-55.1pp | 81.9%-61.4pp | 67.9%-47.4pp |
| Annual return | 23.97% | 29.90%-5.9pp | 68.30%-44.3pp | 28.86%-4.9pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,452 | $7,093-65.4% | $7,760-68.4% | $4,291-42.8% |
| Admin fee / account holder | $1,409 | $1,267+11.2% | $10,767-86.9% | $1,588-11.3% |