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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 | $29,896 | $88,137-66.1% | $164,975-81.9% | $74,429-59.8% |
| Participation rate | 51.5% | 73.1%-21.6pp | 78.6%-27.1pp | 67.2%-15.7pp |
| Annual return | 92.20% | 17.13%+75.1pp | 70.12%+22.1pp | 1368.38%-1276.2pp |
| Employer contribution / active EE | $1,229 | $2,597-52.7% | $4,343-71.7% | $2,625-53.2% |
| Participant deferral / active EE | $2,108 | $4,501-53.2% | $6,033-65.1% | $4,348-51.5% |
| Admin fee / account holder | $725 | $2,231-67.5% | $12,688-94.3% | $1,944-62.7% |