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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 | $17,452 | $79,867-78.1% | $120,344-85.5% | $64,340-72.9% |
| Participation rate | 34.3% | 63.0%-28.7pp | 76.7%-42.4pp | 55.2%-21.0pp |
| Annual return | 45.81% | 21.10%+24.7pp | 20.30%+25.5pp | 24.14%+21.7pp |
| Employer contribution / active EE | $815 | $1,925-57.7% | $3,020-73.0% | $1,862-56.2% |
| Participant deferral / active EE | $1,498 | $3,593-58.3% | $5,135-70.8% | $2,980-49.7% |
| Admin fee / account holder | $1,412 | $5,039-72.0% | $12,742-88.9% | $3,703-61.9% |