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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 | $20,161 | $73,459-72.6% | $178,528-88.7% | $74,429-72.9% |
| Participation rate | 52.1% | 66.5%-14.5pp | 77.1%-25.0pp | 67.2%-15.2pp |
| Annual return | 14.89% | 17.50%-2.6pp | 27.11%-12.2pp | 1368.38%-1353.5pp |
| Employer contribution / active EE | $987 | $2,219-55.5% | $3,950-75.0% | $2,625-62.4% |
| Participant deferral / active EE | $1,727 | $4,515-61.8% | $6,278-72.5% | $4,348-60.3% |
| Admin fee / account holder | $4,186 | $1,812+131.0% | $10,419-59.8% | $1,944+115.3% |