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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 | $5,977 | $105,284-94.3% | $150,734-96.0% | $94,015-93.6% |
| Participation rate | 58.3% | 71.7%-13.4pp | 78.4%-20.1pp | 70.8%-12.5pp |
| Annual return | 11.50% | 15.67%-4.2pp | 600.81%-589.3pp | 17.84%-6.3pp |
| Employer contribution / active EE | $4,615 | $3,599+28.2% | $4,918-6.2% | $2,790+65.4% |
| Participant deferral / active EE | $554 | $4,274-87.0% | $5,610-90.1% | $4,249-87.0% |
| Admin fee / account holder | $1,510 | $9,839-84.7% | $14,905-89.9% | $8,951-83.1% |