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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 | $122,051-72.5% | $184,185-81.8% | $74,400-54.9% |
| Participation rate | 67.5% | 85.5%-17.9pp | 86.8%-19.3pp | 67.2%+0.3pp |
| Annual return | 16.62% | 19.91%-3.3pp | 28.81%-12.2pp | 1367.51%-1350.9pp |
| Employer contribution / active EE | $2,055 | $4,539-54.7% | $6,426-68.0% | $2,624-21.7% |
| Participant deferral / active EE | $3,722 | $7,146-47.9% | $9,132-59.2% | $4,348-14.4% |
| Admin fee / account holder | $1,327 | $1,258+5.5% | $13,909-90.5% | $1,944-31.7% |