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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 | $18,069 | $83,090-78.3% | $130,062-86.1% | $71,529-74.7% |
| Participation rate | 46.8% | 74.1%-27.4pp | 78.5%-31.7pp | 67.9%-21.2pp |
| Annual return | 185.87% | 20.61%+165.3pp | -137.37%+323.2pp | 28.97%+156.9pp |
| Employer contribution / active EE | $1,188 | $2,624-54.7% | $4,322-72.5% | $2,590-54.1% |
| Participant deferral / active EE | $2,018 | $4,436-54.5% | $5,821-65.3% | $4,291-53.0% |
| Admin fee / account holder | $434 | $1,727-74.9% | $10,601-95.9% | $1,588-72.7% |