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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 | $4,275 | $54,679-92.2% | $76,119-94.4% | $74,459-94.3% |
| Participation rate | 56.7% | 60.3%-3.6pp | 69.1%-12.3pp | 67.2%-10.5pp |
| Annual return | 13.40% | 31.90%-18.5pp | 361.25%-347.8pp | 1369.70%-1356.3pp |
| Employer contribution / active EE | $461 | $1,781-74.1% | $2,693-82.9% | $2,626-82.5% |
| Participant deferral / active EE | $626 | $3,072-79.6% | $4,259-85.3% | $4,350-85.6% |
| Admin fee / account holder | $489 | $2,238-78.2% | $6,421-92.4% | $1,945-74.9% |