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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $24,894 | $99,168-74.9% | $96,534-74.2% | $74,460-66.6% |
| Participation rate | 35.6% | 80.7%-45.1pp | 76.0%-40.4pp | 70.7%-35.2pp |
| Annual return | 189.10% | 22.40%+166.7pp | 25.88%+163.2pp | 34.38%+154.7pp |
| Employer contribution / active EE | $0 | $2,570-100.0% | $2,965-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $3,319 | $4,936-32.8% | $4,851-31.6% | $4,530-26.7% |
| Admin fee / account holder | $589 | $225+162.1% | $8,253-92.9% | $348+69.4% |