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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 | $14,329 | $73,102-80.4% | $123,553-88.4% | $56,289-74.5% |
| Participation rate | 66.7% | 74.3%-7.6pp | 82.3%-15.6pp | 69.9%-3.2pp |
| Annual return | 1065.28% | 3.01%+1062.3pp | 119.21%+946.1pp | -9.96%+1075.2pp |
| Employer contribution / active EE | $1,794 | $2,977-39.7% | $4,628-61.2% | $2,111-15.0% |
| Participant deferral / active EE | $3,542 | $5,423-34.7% | $6,426-44.9% | $3,350+5.7% |
| Admin fee / account holder | $3,662 | $554+561.3% | $9,284-60.6% | $521+602.9% |