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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 | $6,575 | $55,437-88.1% | $155,534-95.8% | $74,459-91.2% |
| Participation rate | 35.6% | 61.9%-26.3pp | 78.2%-42.6pp | 67.2%-31.6pp |
| Annual return | 12.36% | 269.58%-257.2pp | 64.92%-52.6pp | 1369.70%-1357.3pp |
| Employer contribution / active EE | $550 | $2,266-75.7% | $4,675-88.2% | $2,626-79.1% |
| Participant deferral / active EE | $785 | $2,837-72.3% | $5,630-86.1% | $4,350-82.0% |
| Admin fee / account holder | $578 | $1,742-66.9% | $15,900-96.4% | $1,945-70.3% |