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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 | $27,898 | $101,653-72.6% | $147,080-81.0% | $74,459-62.5% |
| Participation rate | 48.0% | 75.6%-27.5pp | 82.2%-34.2pp | 67.2%-19.2pp |
| Annual return | 41.86% | 8754.98%-8713.1pp | 420.17%-378.3pp | 1369.70%-1327.8pp |
| Employer contribution / active EE | $1,622 | $3,813-57.5% | $4,933-67.1% | $2,626-38.2% |
| Participant deferral / active EE | $2,561 | $7,304-64.9% | $8,066-68.2% | $4,350-41.1% |
| Admin fee / account holder | $3,486 | $1,752+99.0% | $12,989-73.2% | $1,945+79.2% |