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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 | $12,409 | $91,424-86.4% | $135,942-90.9% | $71,495-82.6% |
| Participation rate | 58.2% | 75.7%-17.5pp | 81.9%-23.8pp | 67.9%-9.8pp |
| Annual return | 71.52% | 29.90%+41.6pp | 68.28%+3.2pp | 28.85%+42.7pp |
| Employer contribution / active EE | $1,710 | $3,704-53.8% | $4,858-64.8% | $2,589-34.0% |
| Participant deferral / active EE | $2,976 | $7,092-58.0% | $7,759-61.6% | $4,291-30.6% |
| Admin fee / account holder | $731 | $1,266-42.3% | $10,764-93.2% | $1,588-54.0% |