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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 | $2,102 | $98,652-97.9% | $142,942-98.5% | $82,448-97.5% |
| Participation rate | 69.0% | 72.8%-3.8pp | 76.8%-7.9pp | 68.1%+0.9pp |
| Annual return | 21.28% | 22.65%-1.4pp | 113.70%-92.4pp | 41.64%-20.4pp |
| Employer contribution / active EE | $612 | $3,211-80.9% | $4,139-85.2% | $2,551-76.0% |
| Participant deferral / active EE | $1,167 | $5,580-79.1% | $7,128-83.6% | $4,139-71.8% |
| Admin fee / account holder | $478 | $8,078-94.1% | $12,475-96.2% | $7,234-93.4% |