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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 | $9,526 | $42,423-77.5% | $152,093-93.7% | $100,573-90.5% |
| Participation rate | 6.2% | 55.9%-49.7pp | 77.8%-71.6pp | 70.9%-64.8pp |
| Annual return | 73.73% | 41.32%+32.4pp | 66.36%+7.4pp | 18.89%+54.8pp |
| Employer contribution / active EE | $64 | $1,482-95.7% | $4,175-98.5% | $3,763-98.3% |
| Participant deferral / active EE | $133 | $2,158-93.8% | $5,451-97.6% | $4,921-97.3% |
| Admin fee / account holder | $1,279 | $429+197.8% | $14,497-91.2% | $454+181.7% |