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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 | $106,164-82.4% | $147,041-87.3% | $77,692-76.0% |
| Participation rate | 50.4% | 78.4%-28.0pp | 82.2%-31.8pp | 70.6%-20.2pp |
| Annual return | 28.43% | 56.81%-28.4pp | 419.21%-390.8pp | 31.25%-2.8pp |
| Employer contribution / active EE | $1,544 | $4,066-62.0% | $4,935-68.7% | $2,726-43.4% |
| Participant deferral / active EE | $2,827 | $7,993-64.6% | $8,071-65.0% | $4,648-39.2% |
| Admin fee / account holder | $828 | $338+145.1% | $13,006-93.6% | $431+92.4% |