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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 | $8,022 | $78,636-89.8% | $105,607-92.4% | $74,459-89.2% |
| Participation rate | 37.7% | 72.8%-35.1pp | 75.3%-37.6pp | 67.2%-29.5pp |
| Annual return | 20.27% | 15.96%+4.3pp | 116.11%-95.8pp | 1369.70%-1349.4pp |
| Employer contribution / active EE | $0 | $2,523-100.0% | $3,167-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $898 | $4,322-79.2% | $5,011-82.1% | $4,350-79.4% |
| Admin fee / account holder | $1,740 | $2,220-21.6% | $10,958-84.1% | $1,945-10.5% |