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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 | $8,249 | $82,133-90.0% | $147,318-94.4% | $64,097-87.1% |
| Participation rate | 65.2% | 62.3%+3.0pp | 82.1%-16.8pp | 55.2%+10.1pp |
| Annual return | 17.38% | 78.78%-61.4pp | 70.43%-53.1pp | 34.64%-17.3pp |
| Employer contribution / active EE | $381 | $2,872-86.7% | $4,593-91.7% | $1,891-79.8% |
| Participant deferral / active EE | $735 | $5,407-86.4% | $7,906-90.7% | $3,080-76.1% |
| Admin fee / account holder | $500 | $3,730-86.6% | $13,708-96.4% | $3,454-85.5% |