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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 | $3,367 | $55,446-93.9% | $155,574-97.8% | $74,429-95.5% |
| Participation rate | 61.9% | 61.9%0pp | 78.2%-16.3pp | 67.2%-5.3pp |
| Annual return | 12.10% | 269.20%-257.1pp | 64.87%-52.8pp | 1368.38%-1356.3pp |
| Employer contribution / active EE | $569 | $2,266-74.9% | $4,676-87.8% | $2,625-78.3% |
| Participant deferral / active EE | $724 | $2,836-74.5% | $5,629-87.1% | $4,348-83.4% |
| Admin fee / account holder | $544 | $1,743-68.8% | $15,914-96.6% | $1,944-72.0% |