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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 | $11,356 | $80,748-85.9% | $102,383-88.9% | $74,429-84.7% |
| Participation rate | 49.2% | 65.7%-16.5pp | 74.5%-25.3pp | 67.2%-18.0pp |
| Annual return | 20.52% | 27.57%-7.1pp | 24.94%-4.4pp | 1368.38%-1347.9pp |
| Employer contribution / active EE | $1,247 | $3,159-60.5% | $3,870-67.8% | $2,625-52.5% |
| Participant deferral / active EE | $2,025 | $3,861-47.6% | $5,060-60.0% | $4,348-53.4% |
| Admin fee / account holder | $1,185 | $2,371-50.0% | $8,391-85.9% | $1,944-39.1% |