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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 | $26,309 | $83,369-68.4% | $105,223-75.0% | $67,986-61.3% |
| Participation rate | 51.0% | 56.3%-5.3pp | 75.0%-24.0pp | 57.2%-6.2pp |
| Annual return | 20.84% | 24.64%-3.8pp | 180.65%-159.8pp | 31.67%-10.8pp |
| Employer contribution / active EE | $1,129 | $2,541-55.5% | $3,689-69.4% | $2,019-44.1% |
| Participant deferral / active EE | $962 | $3,295-70.8% | $5,072-81.0% | $3,358-71.3% |
| Admin fee / account holder | $716 | $4,073-82.4% | $8,859-91.9% | $3,203-77.7% |