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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 | $7,408 | $107,415-93.1% | $135,974-94.6% | $80,157-90.8% |
| Participation rate | 1.7% | 78.0%-76.3pp | 81.9%-80.2pp | 72.9%-71.2pp |
| Annual return | 19.27% | 91.99%-72.7pp | 68.30%-49.0pp | 40.39%-21.1pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,859-100.0% | $2,977-100.0% |
| Participant deferral / active EE | $209 | $8,189-97.4% | $7,760-97.3% | $5,015-95.8% |
| Admin fee / account holder | $315 | $127+148.0% | $10,767-97.1% | $145+117.3% |