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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 | $9,266 | $79,223-88.3% | $102,460-91.0% | $74,478-87.6% |
| Participation rate | 69.9% | 74.8%-4.9pp | 76.5%-6.6pp | 67.2%+2.7pp |
| Annual return | 11.36% | 54.98%-43.6pp | 29.47%-18.1pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $0 | $2,363-100.0% | $3,025-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $283 | $4,417-93.6% | $5,056-94.4% | $4,350-93.5% |
| Admin fee / account holder | $435 | $2,003-78.3% | $9,460-95.4% | $1,946-77.7% |