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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 | $2,104 | $36,002-94.2% | $161,489-98.7% | $64,728-96.7% |
| Participation rate | 25.1% | 57.4%-32.4pp | 78.7%-53.6pp | 57.9%-32.8pp |
| Annual return | 31.59% | 33.93%-2.3pp | 89.72%-58.1pp | 49.38%-17.8pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $427 | $1,815-76.5% | $5,630-92.4% | $2,729-84.4% |
| Admin fee / account holder | $403 | $931-56.7% | $16,006-97.5% | $1,145-64.8% |