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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 | $63,433-76.7% | $63,803-76.8% | $64,097-76.9% |
| Participation rate | 63.7% | 65.0%-1.3pp | 72.7%-9.0pp | 55.2%+8.5pp |
| Annual return | 12.36% | 20.74%-8.4pp | 543.72%-531.4pp | 34.64%-22.3pp |
| Employer contribution / active EE | $1,556 | $2,332-33.3% | $2,532-38.5% | $1,891-17.7% |
| Participant deferral / active EE | $690 | $3,119-77.9% | $3,843-82.0% | $3,080-77.6% |
| Admin fee / account holder | $2,361 | $1,489+58.5% | $5,196-54.6% | $3,454-31.7% |