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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 | $14,807 | $64,705-77.1% | $62,929-76.5% | $67,986-78.2% |
| Participation rate | 63.7% | 65.6%-1.9pp | 73.1%-9.4pp | 57.2%+6.5pp |
| Annual return | 12.36% | 20.31%-7.9pp | 1063.93%-1051.6pp | 31.67%-19.3pp |
| Employer contribution / active EE | $1,556 | $2,376-34.5% | $2,505-37.9% | $2,019-22.9% |
| Participant deferral / active EE | $690 | $3,198-78.4% | $3,888-82.3% | $3,358-79.5% |
| Admin fee / account holder | $2,361 | $1,428+65.3% | $5,065-53.4% | $3,203-26.3% |