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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 | $55,437-93.9% | $155,534-97.8% | $74,459-95.5% |
| Participation rate | 61.9% | 61.9%0pp | 78.2%-16.3pp | 67.2%-5.4pp |
| Annual return | 12.10% | 269.58%-257.5pp | 64.92%-52.8pp | 1369.70%-1357.6pp |
| Employer contribution / active EE | $569 | $2,266-74.9% | $4,675-87.8% | $2,626-78.3% |
| Participant deferral / active EE | $724 | $2,837-74.5% | $5,630-87.1% | $4,350-83.4% |
| Admin fee / account holder | $544 | $1,742-68.8% | $15,900-96.6% | $1,945-72.0% |