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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 | $25,200 | $130,294-80.7% | $170,043-85.2% | $71,511-64.8% |
| Participation rate | 53.0% | 86.2%-33.1pp | 87.0%-34.0pp | 67.9%-14.9pp |
| Annual return | 32.11% | 20.36%+11.7pp | 53.40%-21.3pp | 28.86%+3.3pp |
| Employer contribution / active EE | $2,052 | $4,385-53.2% | $6,790-69.8% | $2,589-20.7% |
| Participant deferral / active EE | $3,398 | $6,928-51.0% | $10,410-67.4% | $4,291-20.8% |
| Admin fee / account holder | $4,501 | $966+365.8% | $12,824-64.9% | $1,588+183.3% |