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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 | $12,157 | $93,010-86.9% | $96,538-87.4% | $74,473-83.7% |
| Participation rate | 56.6% | 71.6%-14.9pp | 74.3%-17.7pp | 70.7%-14.1pp |
| Annual return | 46.36% | 37.50%+8.9pp | 35.74%+10.6pp | 34.36%+12.0pp |
| Employer contribution / active EE | $5,763 | $3,427+68.2% | $3,740+54.1% | $2,638+118.4% |
| Participant deferral / active EE | $1,078 | $3,971-72.9% | $4,880-77.9% | $4,530-76.2% |
| Admin fee / account holder | $2,633 | $633+315.8% | $6,737-60.9% | $347+658.8% |