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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 | $31,659 | $79,209-60.0% | $102,434-69.1% | $74,459-57.5% |
| Participation rate | 57.8% | 74.8%-17.0pp | 76.5%-18.7pp | 67.2%-9.4pp |
| Annual return | 17.20% | 54.98%-37.8pp | 29.46%-12.3pp | 1369.70%-1352.5pp |
| Employer contribution / active EE | $1,547 | $2,362-34.5% | $3,023-48.8% | $2,626-41.1% |
| Participant deferral / active EE | $2,642 | $4,417-40.2% | $5,055-47.7% | $4,350-39.3% |
| Admin fee / account holder | $1,515 | $2,002-24.3% | $9,462-84.0% | $1,945-22.1% |