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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 | $42,909-77.9% | $152,093-93.8% | $71,012-86.7% |
| Participation rate | 29.9% | 54.7%-24.8pp | 77.8%-47.9pp | 58.6%-28.6pp |
| Annual return | 20.54% | 30.57%-10.0pp | 66.36%-45.8pp | 37.67%-17.1pp |
| Employer contribution / active EE | $354 | $1,369-74.1% | $4,175-91.5% | $2,348-84.9% |
| Participant deferral / active EE | $1,033 | $1,904-45.8% | $5,451-81.1% | $3,246-68.2% |
| Admin fee / account holder | $1,909 | $1,014+88.2% | $14,497-86.8% | $1,167+63.5% |