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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 | $9,473 | $46,464-79.6% | $150,298-93.7% | $79,634-88.1% |
| Participation rate | 29.9% | 57.0%-27.1pp | 77.8%-47.9pp | 62.5%-32.6pp |
| Annual return | 20.54% | 27.89%-7.4pp | 62.79%-42.2pp | 36.46%-15.9pp |
| Employer contribution / active EE | $354 | $1,512-76.6% | $4,154-91.5% | $2,529-86.0% |
| Participant deferral / active EE | $1,033 | $2,157-52.1% | $5,453-81.1% | $3,835-73.1% |
| Admin fee / account holder | $1,909 | $891+114.3% | $14,116-86.5% | $1,002+90.5% |