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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $17,139 | $55,002-68.8% | $59,887-71.4% | $56,287-69.6% |
| Participation rate | 64.4% | 75.9%-11.6pp | 74.7%-10.3pp | 69.9%-5.5pp |
| Annual return | 12.46% | 1.13%+11.3pp | 3.46%+9.0pp | -9.96%+22.4pp |
| Employer contribution / active EE | $1,442 | $2,448-41.1% | $2,722-47.0% | $2,111-31.7% |
| Participant deferral / active EE | $2,990 | $3,121-4.2% | $3,402-12.1% | $3,350-10.7% |
| Admin fee / account holder | $985 | $236+317.9% | $3,591-72.6% | $521+89.1% |