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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 | $8,732 | $150,541-94.2% | $145,433-94.0% | $103,975-91.6% |
| Participation rate | 9.6% | 81.1%-71.5pp | 82.1%-72.5pp | 72.5%-62.9pp |
| Annual return | 40.44% | 20.73%+19.7pp | 66.58%-26.1pp | 19.41%+21.0pp |
| Employer contribution / active EE | $0 | $5,177-100.0% | $4,554-100.0% | $3,722-100.0% |
| Participant deferral / active EE | $301 | $9,456-96.8% | $7,897-96.2% | $5,343-94.4% |
| Admin fee / account holder | $1,149 | $165+597.3% | $13,129-91.2% | $332+245.7% |