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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 | $15,928 | $63,456-74.9% | $100,712-84.2% | $64,097-75.2% |
| Participation rate | 34.4% | 49.7%-15.3pp | 69.3%-34.9pp | 55.2%-20.8pp |
| Annual return | 15.86% | 19.65%-3.8pp | 33.27%-17.4pp | 34.64%-18.8pp |
| Employer contribution / active EE | $807 | $1,003-19.5% | $2,313-65.1% | $1,891-57.3% |
| Participant deferral / active EE | $441 | $2,463-82.1% | $4,085-89.2% | $3,080-85.7% |
| Admin fee / account holder | $2,808 | $4,808-41.6% | $9,256-69.7% | $3,454-18.7% |