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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 | $58,311-89.3% | $81,882-92.4% | $80,959-92.3% |
| Participation rate | 69.7% | 63.5%+6.2pp | 72.4%-2.7pp | 67.7%+2.0pp |
| Annual return | 14.02% | 41.85%-27.8pp | 779.47%-765.5pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,460 | $2,347-37.8% | $2,916-49.9% | $2,757-47.0% |
| Participant deferral / active EE | $2,232 | $3,287-32.1% | $4,323-48.4% | $4,300-48.1% |
| Admin fee / account holder | $1,248 | $4,752-73.7% | $7,360-83.0% | $6,925-82.0% |