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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 | $12,920 | $51,096-74.7% | $100,712-87.2% | $71,012-81.8% |
| Participation rate | 16.1% | 47.0%-30.9pp | 69.3%-53.2pp | 58.6%-42.4pp |
| Annual return | 47.02% | 16.42%+30.6pp | 33.27%+13.7pp | 37.67%+9.3pp |
| Employer contribution / active EE | $204 | $1,127-81.9% | $2,313-91.2% | $2,348-91.3% |
| Participant deferral / active EE | $662 | $1,937-65.8% | $4,085-83.8% | $3,246-79.6% |
| Admin fee / account holder | $2,039 | $2,179-6.4% | $9,256-78.0% | $1,167+74.7% |