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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 | $14,962 | $95,438-84.3% | $135,982-89.0% | $74,473-79.9% |
| Participation rate | 12.0% | 78.2%-66.2pp | 81.9%-69.9pp | 70.7%-58.7pp |
| Annual return | 32.15% | 32.61%-0.5pp | 68.32%-36.2pp | 34.36%-2.2pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,859-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $403 | $7,790-94.8% | $7,760-94.8% | $4,530-91.1% |
| Admin fee / account holder | $1,587 | $259+513.0% | $10,767-85.3% | $347+357.3% |