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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 | $33,546 | $122,042-72.5% | $184,260-81.8% | $74,459-54.9% |
| Participation rate | 67.5% | 85.5%-17.9pp | 86.8%-19.3pp | 67.2%+0.3pp |
| Annual return | 16.62% | 19.91%-3.3pp | 28.84%-12.2pp | 1369.70%-1353.1pp |
| Employer contribution / active EE | $2,055 | $4,537-54.7% | $6,427-68.0% | $2,626-21.7% |
| Participant deferral / active EE | $3,722 | $7,143-47.9% | $9,133-59.2% | $4,350-14.4% |
| Admin fee / account holder | $1,327 | $1,252+6.0% | $13,898-90.5% | $1,945-31.8% |