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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 | $10,154 | $31,741-68.0% | $56,025-81.9% | $200,096-94.9% |
| Participation rate | 6.5% | 32.3%-25.8pp | 52.5%-46.0pp | 72.0%-65.5pp |
| Annual return | 19.27% | 14.72%+4.6pp | 1712.69%-1693.4pp | 34.26%-15.0pp |
| Employer contribution / active EE | $0 | $508-100.0% | $1,042-100.0% | $3,038-100.0% |
| Participant deferral / active EE | $253 | $1,184-78.7% | $1,955-87.1% | $5,090-95.0% |
| Admin fee / account holder | $2,753 | $426+545.7% | $2,828-2.7% | $269+922.1% |