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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 | $10,879 | $45,109-75.9% | $85,240-87.2% | $77,762-86.0% |
| Participation rate | 7.7% | 48.7%-41.0pp | 67.5%-59.8pp | 70.6%-62.9pp |
| Annual return | 13.24% | 79.55%-66.3pp | 66.75%-53.5pp | 31.27%-18.0pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $473 | $2,814-83.2% | $4,527-89.6% | $4,651-89.8% |
| Admin fee / account holder | $1,330 | $915+45.4% | $6,165-78.4% | $433+207.3% |