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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 | $110,483-99.3% | $145,433-99.4% | $79,634-99.0% |
| Participation rate | 35.3% | 71.1%-35.8pp | 82.1%-46.8pp | 62.5%-27.2pp |
| Annual return | 20.57% | 24.62%-4.1pp | 66.58%-46.0pp | 36.46%-15.9pp |
| Employer contribution / active EE | $0 | $4,053-100.0% | $4,554-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $171 | $7,216-97.6% | $7,897-97.8% | $3,835-95.5% |
| Admin fee / account holder | $305 | $680-55.2% | $13,129-97.7% | $1,002-69.6% |