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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 | $25,410 | $101,653-75.0% | $147,080-82.7% | $74,459-65.9% |
| Participation rate | 55.4% | 75.6%-20.2pp | 82.2%-26.8pp | 67.2%-11.9pp |
| Annual return | 39.21% | 8754.98%-8715.8pp | 420.17%-381.0pp | 1369.70%-1330.5pp |
| Employer contribution / active EE | $131 | $3,813-96.6% | $4,933-97.4% | $2,626-95.0% |
| Participant deferral / active EE | $8,293 | $7,304+13.5% | $8,066+2.8% | $4,350+90.7% |
| Admin fee / account holder | $4,759 | $1,752+171.7% | $12,989-63.4% | $1,945+144.7% |