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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 | $12,548 | $63,433-80.2% | $63,803-80.3% | $64,097-80.4% |
| Participation rate | 60.8% | 65.0%-4.3pp | 72.7%-11.9pp | 55.2%+5.6pp |
| Annual return | 29.68% | 20.74%+8.9pp | 543.72%-514.0pp | 34.64%-5.0pp |
| Employer contribution / active EE | $814 | $2,332-65.1% | $2,532-67.9% | $1,891-57.0% |
| Participant deferral / active EE | $2,399 | $3,119-23.1% | $3,843-37.6% | $3,080-22.1% |
| Admin fee / account holder | $833 | $1,489-44.1% | $5,196-84.0% | $3,454-75.9% |