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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 | $28,851 | $71,192-59.5% | $117,861-75.5% | $62,293-53.7% |
| Participation rate | 54.7% | 74.2%-19.5pp | 79.7%-25.0pp | 69.5%-14.8pp |
| Annual return | 22.08% | 18.66%+3.4pp | 335.11%-313.0pp | 28.90%-6.8pp |
| Employer contribution / active EE | $968 | $1,934-49.9% | $3,786-74.4% | $2,042-52.6% |
| Participant deferral / active EE | $2,944 | $3,189-7.7% | $4,482-34.3% | $3,169-7.1% |
| Admin fee / account holder | $3,279 | $587+458.3% | $8,021-59.1% | $479+584.0% |