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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 | $16,781 | $91,439-81.6% | $135,974-87.7% | $71,511-76.5% |
| Participation rate | 55.9% | 75.7%-19.8pp | 81.9%-26.0pp | 67.9%-12.0pp |
| Annual return | 17.82% | 29.90%-12.1pp | 68.30%-50.5pp | 28.86%-11.0pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,115 | $7,093-70.2% | $7,760-72.7% | $4,291-50.7% |
| Admin fee / account holder | $1,446 | $1,267+14.2% | $10,767-86.6% | $1,588-9.0% |