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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 | $87,465-80.0% | $122,979-85.8% | $65,306-73.3% |
| Participation rate | 34.3% | 66.0%-31.7pp | 77.2%-42.9pp | 57.7%-23.4pp |
| Annual return | 45.81% | 19.76%+26.0pp | 20.12%+25.7pp | 21.94%+23.9pp |
| Employer contribution / active EE | $815 | $2,156-62.2% | $3,062-73.4% | $1,967-58.6% |
| Participant deferral / active EE | $1,498 | $3,705-59.6% | $5,003-70.1% | $2,959-49.4% |
| Admin fee / account holder | $1,412 | $5,100-72.3% | $12,864-89.0% | $3,480-59.4% |