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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 | $24,488 | $91,474-73.2% | $135,982-82.0% | $71,529-65.8% |
| Participation rate | 44.0% | 75.7%-31.7pp | 81.9%-38.0pp | 67.9%-24.0pp |
| Annual return | 19.52% | 29.89%-10.4pp | 68.32%-48.8pp | 28.97%-9.4pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $3,090 | $7,095-56.5% | $7,760-60.2% | $4,291-28.0% |
| Admin fee / account holder | $1,979 | $1,267+56.1% | $10,767-81.6% | $1,588+24.6% |