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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 | $21,320 | $82,979-74.3% | $102,412-79.2% | $77,736-72.6% |
| Participation rate | 32.7% | 71.5%-38.8pp | 74.5%-41.8pp | 70.6%-37.9pp |
| Annual return | 15.78% | 19.11%-3.3pp | 24.94%-9.2pp | 31.26%-15.5pp |
| Employer contribution / active EE | $967 | $3,554-72.8% | $3,870-75.0% | $2,728-64.6% |
| Participant deferral / active EE | $1,464 | $4,109-64.4% | $5,060-71.1% | $4,651-68.5% |
| Admin fee / account holder | $415 | $639-34.9% | $8,388-95.0% | $433-4.1% |