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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 | $3,589 | $61,356-94.2% | $149,696-97.6% | $71,511-95.0% |
| Participation rate | 48.2% | 62.5%-14.3pp | 78.8%-30.6pp | 67.9%-19.7pp |
| Annual return | 26.68% | 35.86%-9.2pp | 134.46%-107.8pp | 28.86%-2.2pp |
| Employer contribution / active EE | $1,009 | $2,382-57.6% | $4,821-79.1% | $2,589-61.0% |
| Participant deferral / active EE | $332 | $2,920-88.6% | $5,682-94.2% | $4,291-92.3% |
| Admin fee / account holder | $747 | $1,263-40.8% | $13,212-94.3% | $1,588-52.9% |