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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 | $12,707 | $55,449-77.1% | $83,831-84.8% | $56,289-77.4% |
| Participation rate | 68.0% | 68.0%0pp | 76.1%-8.1pp | 69.9%-1.8pp |
| Annual return | 45.32% | -1.38%+46.7pp | 850.99%-805.7pp | -9.96%+55.3pp |
| Employer contribution / active EE | $1,630 | $2,430-32.9% | $3,631-55.1% | $2,111-22.8% |
| Participant deferral / active EE | $193 | $2,935-93.4% | $4,082-95.3% | $3,350-94.2% |
| Admin fee / account holder | $3,131 | $656+377.2% | $5,479-42.9% | $521+500.9% |