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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 | $13,878 | $75,183-81.5% | $123,894-88.8% | $55,167-74.8% |
| Participation rate | 55.6% | 72.8%-17.3pp | 81.4%-25.9pp | 69.0%-13.4pp |
| Annual return | 31.12% | 19.01%+12.1pp | 47.52%-16.4pp | 169.23%-138.1pp |
| Employer contribution / active EE | $2,140 | $2,823-24.2% | $4,617-53.6% | $1,963+9.0% |
| Participant deferral / active EE | $2,352 | $5,084-53.7% | $5,984-60.7% | $3,054-23.0% |
| Admin fee / account holder | $602 | $663-9.2% | $8,357-92.8% | $504+19.4% |