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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 | $31,302 | $95,417-67.2% | $135,974-77.0% | $74,460-58.0% |
| Participation rate | 28.5% | 78.2%-49.7pp | 81.9%-53.4pp | 70.7%-42.2pp |
| Annual return | 110.51% | 32.76%+77.7pp | 68.30%+42.2pp | 34.38%+76.1pp |
| Employer contribution / active EE | $1,998 | $3,878-48.5% | $4,859-58.9% | $2,638-24.3% |
| Participant deferral / active EE | $1,295 | $7,789-83.4% | $7,760-83.3% | $4,530-71.4% |
| Admin fee / account holder | $3,628 | $266+1263.1% | $10,767-66.3% | $348+943.1% |