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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 | $16,220 | $80,731-79.9% | $103,378-84.3% | $74,400-78.2% |
| Participation rate | 67.4% | 65.7%+1.7pp | 74.5%-7.1pp | 67.2%+0.2pp |
| Annual return | 13.29% | 27.56%-14.3pp | 24.91%-11.6pp | 1367.51%-1354.2pp |
| Employer contribution / active EE | $1,453 | $3,159-54.0% | $3,870-62.5% | $2,624-44.6% |
| Participant deferral / active EE | $3,610 | $3,862-6.5% | $5,058-28.6% | $4,348-17.0% |
| Admin fee / account holder | $1,649 | $2,369-30.4% | $8,401-80.4% | $1,944-15.1% |