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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 | $6,050 | $58,726-89.7% | $92,240-93.4% | $62,293-90.3% |
| Participation rate | 48.1% | 68.3%-20.2pp | 76.5%-28.4pp | 69.5%-21.4pp |
| Annual return | 13.86% | 43.62%-29.8pp | 176.29%-162.4pp | 28.90%-15.0pp |
| Employer contribution / active EE | $0 | $2,392-100.0% | $3,680-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $931 | $2,766-66.3% | $3,897-76.1% | $3,169-70.6% |
| Admin fee / account holder | $611 | $556+9.8% | $5,194-88.2% | $479+27.4% |