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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 | $7,725 | $73,532-89.5% | $178,505-95.7% | $74,478-89.6% |
| Participation rate | 30.5% | 66.6%-36.1pp | 77.1%-46.7pp | 67.2%-36.8pp |
| Annual return | 23.76% | 17.49%+6.3pp | 27.16%-3.4pp | 1370.56%-1346.8pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,955-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,100 | $4,519-75.7% | $6,280-82.5% | $4,350-74.7% |
| Admin fee / account holder | $1,121 | $1,813-38.2% | $10,428-89.3% | $1,946-42.4% |