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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 | $5,743 | $76,669-92.5% | $96,520-94.0% | $71,495-92.0% |
| Participation rate | 55.8% | 66.6%-10.8pp | 74.3%-18.6pp | 67.9%-12.2pp |
| Annual return | 34.02% | 48.29%-14.3pp | 35.72%-1.7pp | 28.85%+5.2pp |
| Employer contribution / active EE | $3,561 | $3,031+17.5% | $3,739-4.8% | $2,589+37.5% |
| Participant deferral / active EE | $1,095 | $3,771-71.0% | $4,879-77.6% | $4,291-74.5% |
| Admin fee / account holder | $971 | $2,028-52.1% | $6,733-85.6% | $1,588-38.8% |