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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 | $15,175 | $65,034-76.7% | $90,970-83.3% | $79,856-81.0% |
| Participation rate | 68.7% | 61.6%+7.0pp | 69.0%-0.4pp | 69.6%-1.0pp |
| Annual return | 16.90% | 30.45%-13.5pp | 134.60%-117.7pp | 31.71%-14.8pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,911 | $2,512-23.9% | $3,373-43.3% | $3,741-48.9% |
| Admin fee / account holder | $338 | $4,536-92.5% | $5,961-94.3% | $5,306-93.6% |