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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 | $18,654 | $106,230-82.4% | $147,080-87.3% | $77,736-76.0% |
| Participation rate | 50.4% | 78.4%-28.0pp | 82.2%-31.8pp | 70.6%-20.2pp |
| Annual return | 28.43% | 56.91%-28.5pp | 420.17%-391.7pp | 31.26%-2.8pp |
| Employer contribution / active EE | $1,544 | $4,072-62.1% | $4,933-68.7% | $2,728-43.4% |
| Participant deferral / active EE | $2,827 | $8,001-64.7% | $8,066-65.0% | $4,651-39.2% |
| Admin fee / account holder | $828 | $338+144.8% | $12,989-93.6% | $433+91.2% |