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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 | $14,198 | $54,717-74.1% | $86,216-83.5% | $71,511-80.1% |
| Participation rate | 48.1% | 60.1%-12.0pp | 69.0%-20.9pp | 67.9%-19.9pp |
| Annual return | 18.95% | 20.07%-1.1pp | 1169.42%-1150.5pp | 28.86%-9.9pp |
| Employer contribution / active EE | $845 | $1,267-33.3% | $2,382-64.5% | $2,589-67.4% |
| Participant deferral / active EE | $1,130 | $3,110-63.7% | $3,986-71.7% | $4,291-73.7% |
| Admin fee / account holder | $968 | $1,922-49.7% | $6,853-85.9% | $1,588-39.1% |