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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 | $89,808-62.0% | $100,383-66.0% | $77,671-56.0% |
| Participation rate | 28.1% | 81.2%-53.1pp | 81.5%-53.4pp | 70.6%-42.5pp |
| Annual return | 46.89% | 20.62%+26.3pp | 49.26%-2.4pp | 31.21%+15.7pp |
| Employer contribution / active EE | $0 | $3,039-100.0% | $3,944-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $2,803 | $8,284-66.2% | $8,086-65.3% | $4,648-39.7% |
| Admin fee / account holder | $934 | $174+435.8% | $7,900-88.2% | $430+117.1% |