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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 | $14,646 | $79,181-81.5% | $102,423-85.7% | $74,429-80.3% |
| Participation rate | 60.6% | 74.8%-14.2pp | 76.5%-15.9pp | 67.2%-6.6pp |
| Annual return | 33.86% | 54.97%-21.1pp | 29.42%+4.4pp | 1368.38%-1334.5pp |
| Employer contribution / active EE | $1,068 | $2,362-54.8% | $3,023-64.7% | $2,625-59.3% |
| Participant deferral / active EE | $1,716 | $4,416-61.1% | $5,054-66.1% | $4,348-60.5% |
| Admin fee / account holder | $901 | $2,002-55.0% | $9,455-90.5% | $1,944-53.7% |