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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 | $65,072-77.2% | $66,439-77.7% | $65,306-77.3% |
| Participation rate | 63.7% | 69.1%-5.3pp | 74.5%-10.8pp | 57.7%+6.1pp |
| Annual return | 12.36% | 21.50%-9.1pp | 757.66%-745.3pp | 21.94%-9.6pp |
| Employer contribution / active EE | $1,556 | $2,475-37.1% | $2,637-41.0% | $1,967-20.9% |
| Participant deferral / active EE | $690 | $3,234-78.7% | $3,876-82.2% | $2,959-76.7% |
| Admin fee / account holder | $2,361 | $1,323+78.4% | $6,173-61.8% | $3,480-32.2% |