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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 | $8,052 | $46,599-82.7% | $64,101-87.4% | $75,173-89.3% |
| Participation rate | 68.3% | 65.9%+2.4pp | 72.3%-4.0pp | 67.2%+1.1pp |
| Annual return | 12.99% | 26.06%-13.1pp | 33.72%-20.7pp | 160.72%-147.7pp |
| Employer contribution / active EE | $382 | $1,975-80.7% | $2,749-86.1% | $2,671-85.7% |
| Participant deferral / active EE | $507 | $2,837-82.1% | $3,881-86.9% | $4,126-87.7% |
| Admin fee / account holder | $1,173 | $2,956-60.3% | $3,070-61.8% | $5,651-79.2% |