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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 | $34,155 | $90,064-62.1% | $100,392-66.0% | $77,736-56.1% |
| Participation rate | 28.1% | 81.3%-53.2pp | 81.5%-53.4pp | 70.6%-42.5pp |
| Annual return | 46.89% | 20.61%+26.3pp | 49.45%-2.6pp | 31.26%+15.6pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $3,941-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,803 | $8,282-66.2% | $8,090-65.3% | $4,651-39.7% |
| Admin fee / account holder | $934 | $172+443.1% | $7,904-88.2% | $433+115.6% |