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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 | $3,475 | $91,439-96.2% | $135,974-97.4% | $71,511-95.1% |
| Participation rate | 69.8% | 75.7%-5.9pp | 81.9%-12.1pp | 67.9%+1.9pp |
| Annual return | 396.29% | 29.90%+366.4pp | 68.30%+328.0pp | 28.86%+367.4pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $911 | $7,093-87.2% | $7,760-88.3% | $4,291-78.8% |
| Admin fee / account holder | $452 | $1,267-64.3% | $10,767-95.8% | $1,588-71.5% |