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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 | $806 | $105,248-99.2% | $147,318-99.5% | $71,012-98.9% |
| Participation rate | 35.3% | 66.1%-30.9pp | 82.1%-46.8pp | 58.6%-23.3pp |
| Annual return | 20.57% | 26.02%-5.4pp | 70.43%-49.9pp | 37.67%-17.1pp |
| Employer contribution / active EE | $0 | $3,785-100.0% | $4,593-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $171 | $6,452-97.3% | $7,906-97.8% | $3,246-94.7% |
| Admin fee / account holder | $305 | $862-64.7% | $13,708-97.8% | $1,167-73.9% |