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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 | $27,150 | $101,539-73.3% | $147,041-81.5% | $74,400-63.5% |
| Participation rate | 57.4% | 75.5%-18.1pp | 82.2%-24.8pp | 67.2%-9.8pp |
| Annual return | 25.04% | 8740.84%-8715.8pp | 419.21%-394.2pp | 1367.51%-1342.5pp |
| Employer contribution / active EE | $1,342 | $3,811-64.8% | $4,935-72.8% | $2,624-48.8% |
| Participant deferral / active EE | $3,818 | $7,304-47.7% | $8,071-52.7% | $4,348-12.2% |
| Admin fee / account holder | $2,140 | $1,749+22.4% | $13,006-83.5% | $1,944+10.1% |