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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 | $2,594 | $88,186-97.1% | $165,071-98.4% | $74,459-96.5% |
| Participation rate | 54.1% | 73.1%-19.1pp | 78.6%-24.6pp | 67.2%-13.2pp |
| Annual return | 15.47% | 17.13%-1.7pp | 70.17%-54.7pp | 1369.70%-1354.2pp |
| Employer contribution / active EE | $1,250 | $2,600-51.9% | $4,347-71.2% | $2,626-52.4% |
| Participant deferral / active EE | $665 | $4,505-85.2% | $6,035-89.0% | $4,350-84.7% |
| Admin fee / account holder | $938 | $2,234-58.0% | $12,695-92.6% | $1,945-51.8% |