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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 | $161,888-94.6% | $147,318-94.1% | $100,573-91.3% |
| Participation rate | 9.6% | 78.1%-68.5pp | 82.1%-72.4pp | 70.9%-61.3pp |
| Annual return | 40.44% | 22.84%+17.6pp | 70.43%-30.0pp | 18.89%+21.5pp |
| Employer contribution / active EE | $0 | $5,949-100.0% | $4,593-100.0% | $3,763-100.0% |
| Participant deferral / active EE | $301 | $9,384-96.8% | $7,906-96.2% | $4,921-93.9% |
| Admin fee / account holder | $1,149 | $198+480.4% | $13,708-91.6% | $454+153.1% |