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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 | $85,515-79.6% | $112,040-84.4% | $67,986-74.3% |
| Participation rate | 34.3% | 68.2%-33.9pp | 76.5%-42.2pp | 57.2%-22.9pp |
| Annual return | 45.81% | 29.68%+16.1pp | 24.52%+21.3pp | 31.67%+14.1pp |
| Employer contribution / active EE | $815 | $2,191-62.8% | $2,954-72.4% | $2,019-59.6% |
| Participant deferral / active EE | $1,498 | $4,014-62.7% | $5,098-70.6% | $3,358-55.4% |
| Admin fee / account holder | $1,412 | $3,774-62.6% | $12,098-88.3% | $3,203-55.9% |