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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 | $25,404 | $91,424-72.2% | $135,942-81.3% | $71,495-64.5% |
| Participation rate | 69.4% | 75.7%-6.3pp | 81.9%-12.6pp | 67.9%+1.4pp |
| Annual return | 17.85% | 29.90%-12.1pp | 68.28%-50.4pp | 28.85%-11.0pp |
| Employer contribution / active EE | $1,295 | $3,704-65.0% | $4,858-73.3% | $2,589-50.0% |
| Participant deferral / active EE | $2,015 | $7,092-71.6% | $7,759-74.0% | $4,291-53.0% |
| Admin fee / account holder | $969 | $1,266-23.4% | $10,764-91.0% | $1,588-38.9% |