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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 | $16,069 | $107,218-85.0% | $115,768-86.1% | $79,634-79.8% |
| Participation rate | 24.1% | 76.8%-52.7pp | 74.4%-50.3pp | 62.5%-38.4pp |
| Annual return | 16.28% | 15.41%+0.9pp | 100.46%-84.2pp | 36.46%-20.2pp |
| Employer contribution / active EE | $0 | $3,627-100.0% | $2,940-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $828 | $5,091-83.7% | $4,917-83.2% | $3,835-78.4% |
| Admin fee / account holder | $3,241 | $576+462.9% | $12,439-73.9% | $1,002+223.4% |