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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 | $1,733 | $50,860-96.6% | $155,574-98.9% | $77,714-97.8% |
| Participation rate | 15.4% | 63.1%-47.7pp | 78.2%-62.8pp | 70.6%-55.1pp |
| Annual return | 16.10% | 34.86%-18.8pp | 64.87%-48.8pp | 31.26%-15.2pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,676-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $201 | $2,825-92.9% | $5,629-96.4% | $4,649-95.7% |
| Admin fee / account holder | $878 | $436+101.2% | $15,914-94.5% | $433+102.7% |