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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 | $21,993 | $122,042-82.0% | $184,243-88.1% | $74,429-70.5% |
| Participation rate | 59.3% | 85.5%-26.2pp | 86.8%-27.5pp | 67.2%-7.9pp |
| Annual return | 28.76% | 19.91%+8.8pp | 28.82%-0.1pp | 1368.38%-1339.6pp |
| Employer contribution / active EE | $1,801 | $4,538-60.3% | $6,427-72.0% | $2,625-31.4% |
| Participant deferral / active EE | $3,810 | $7,143-46.7% | $9,132-58.3% | $4,348-12.4% |
| Admin fee / account holder | $2,377 | $1,252+89.9% | $13,914-82.9% | $1,944+22.3% |