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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 | $6,250 | $58,234-89.3% | $81,783-92.4% | $80,874-92.3% |
| Participation rate | 69.7% | 63.4%+6.3pp | 72.4%-2.7pp | 67.6%+2.0pp |
| Annual return | 14.02% | 41.70%-27.7pp | 775.05%-761.0pp | 35.62%-21.6pp |
| Employer contribution / active EE | $1,460 | $2,341-37.6% | $2,913-49.9% | $2,756-47.0% |
| Participant deferral / active EE | $2,232 | $3,283-32.0% | $4,320-48.3% | $4,297-48.1% |
| Admin fee / account holder | $1,248 | $4,982-75.0% | $7,380-83.1% | $6,935-82.0% |