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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 | $9,585 | $47,163-79.7% | $149,696-93.6% | $74,460-87.1% |
| Participation rate | 20.5% | 63.4%-42.9pp | 78.8%-58.3pp | 70.7%-50.2pp |
| Annual return | 23.04% | 22.75%+0.3pp | 134.46%-111.4pp | 34.38%-11.3pp |
| Employer contribution / active EE | $431 | $1,907-77.4% | $4,821-91.1% | $2,638-83.7% |
| Participant deferral / active EE | $701 | $2,730-74.3% | $5,682-87.7% | $4,530-84.5% |
| Admin fee / account holder | $581 | $343+69.4% | $13,212-95.6% | $348+67.1% |