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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $3,119 | $55,446-94.4% | $155,574-98.0% | $74,429-95.8% |
| Participation rate | 53.4% | 61.9%-8.5pp | 78.2%-24.8pp | 67.2%-13.8pp |
| Annual return | 16.32% | 269.20%-252.9pp | 64.87%-48.6pp | 1368.38%-1352.1pp |
| Employer contribution / active EE | $319 | $2,266-85.9% | $4,676-93.2% | $2,625-87.9% |
| Participant deferral / active EE | $1,089 | $2,836-61.6% | $5,629-80.6% | $4,348-74.9% |
| Admin fee / account holder | $329 | $1,743-81.1% | $15,914-97.9% | $1,944-83.1% |