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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 | $6,191 | $40,278-84.6% | $80,648-92.3% | $80,169-92.3% |
| Participation rate | 11.3% | 47.5%-36.3pp | 67.0%-55.7pp | 72.9%-61.7pp |
| Annual return | 34.57% | 50.86%-16.3pp | 937.21%-902.6pp | 40.39%-5.8pp |
| Employer contribution / active EE | $0 | $1,332-100.0% | $2,724-100.0% | $2,978-100.0% |
| Participant deferral / active EE | $482 | $2,696-82.1% | $4,443-89.1% | $5,016-90.4% |
| Admin fee / account holder | $373 | $210+77.2% | $5,382-93.1% | $145+157.1% |