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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 | $24,628 | $79,223-68.9% | $102,460-76.0% | $74,478-66.9% |
| Participation rate | 35.7% | 74.8%-39.1pp | 76.5%-40.9pp | 67.2%-31.6pp |
| Annual return | 24.68% | 54.98%-30.3pp | 29.47%-4.8pp | 1370.56%-1345.9pp |
| Employer contribution / active EE | $850 | $2,363-64.0% | $3,025-71.9% | $2,626-67.6% |
| Participant deferral / active EE | $1,987 | $4,417-55.0% | $5,056-60.7% | $4,350-54.3% |
| Admin fee / account holder | $1,155 | $2,003-42.4% | $9,460-87.8% | $1,946-40.7% |