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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 | $20,256 | $80,763-74.9% | $102,412-80.2% | $74,459-72.8% |
| Participation rate | 50.4% | 65.7%-15.3pp | 74.5%-24.1pp | 67.2%-16.8pp |
| Annual return | 13.01% | 27.57%-14.6pp | 24.94%-11.9pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $1,459 | $3,160-53.8% | $3,870-62.3% | $2,626-44.4% |
| Participant deferral / active EE | $2,495 | $3,862-35.4% | $5,060-50.7% | $4,350-42.6% |
| Admin fee / account holder | $1,464 | $2,371-38.3% | $8,388-82.5% | $1,945-24.7% |