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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 | $13,023 | $61,338-78.8% | $149,717-91.3% | $71,495-81.8% |
| Participation rate | 48.6% | 62.5%-13.9pp | 78.8%-30.1pp | 67.9%-19.3pp |
| Annual return | 30.44% | 35.86%-5.4pp | 134.41%-104.0pp | 28.85%+1.6pp |
| Employer contribution / active EE | $1,900 | $2,381-20.2% | $4,820-60.6% | $2,589-26.6% |
| Participant deferral / active EE | $863 | $2,919-70.5% | $5,682-84.8% | $4,291-79.9% |
| Admin fee / account holder | $317 | $1,263-74.9% | $13,213-97.6% | $1,588-80.1% |