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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 | $5,586 | $82,133-93.2% | $147,318-96.2% | $64,097-91.3% |
| Participation rate | 44.6% | 62.3%-17.6pp | 82.1%-37.4pp | 55.2%-10.6pp |
| Annual return | 33.15% | 78.78%-45.6pp | 70.43%-37.3pp | 34.64%-1.5pp |
| Employer contribution / active EE | $452 | $2,872-84.3% | $4,593-90.2% | $1,891-76.1% |
| Participant deferral / active EE | $891 | $5,407-83.5% | $7,906-88.7% | $3,080-71.1% |
| Admin fee / account holder | $581 | $3,730-84.4% | $13,708-95.8% | $3,454-83.2% |