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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 | $24,824 | $101,672-75.6% | $147,117-83.1% | $74,478-66.7% |
| Participation rate | 54.6% | 75.5%-20.9pp | 82.2%-27.6pp | 67.2%-12.6pp |
| Annual return | 113.65% | 8757.83%-8644.2pp | 420.54%-306.9pp | 1370.56%-1256.9pp |
| Employer contribution / active EE | $1,536 | $3,813-59.7% | $4,932-68.9% | $2,626-41.5% |
| Participant deferral / active EE | $3,019 | $7,305-58.7% | $8,065-62.6% | $4,350-30.6% |
| Admin fee / account holder | $2,609 | $1,753+48.8% | $12,993-79.9% | $1,946+34.1% |