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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 | $9,577 | $75,183-87.3% | $123,894-92.3% | $55,167-82.6% |
| Participation rate | 63.7% | 72.8%-9.1pp | 81.4%-17.7pp | 69.0%-5.3pp |
| Annual return | 13.36% | 19.01%-5.6pp | 47.52%-34.2pp | 169.23%-155.9pp |
| Employer contribution / active EE | $791 | $2,823-72.0% | $4,617-82.9% | $1,963-59.7% |
| Participant deferral / active EE | $1,683 | $5,084-66.9% | $5,984-71.9% | $3,054-44.9% |
| Admin fee / account holder | $1,697 | $663+156.2% | $8,357-79.7% | $504+236.8% |