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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 | $23,439 | $56,640-58.6% | $78,002-70.0% | $55,167-57.5% |
| Participation rate | 63.8% | 73.3%-9.6pp | 75.5%-11.8pp | 69.0%-5.2pp |
| Annual return | 9.17% | 2868.48%-2859.3pp | 425.99%-416.8pp | 169.23%-160.1pp |
| Employer contribution / active EE | $1,305 | $1,724-24.3% | $2,470-47.2% | $1,963-33.5% |
| Participant deferral / active EE | $2,900 | $2,778+4.4% | $3,497-17.1% | $3,054-5.0% |
| Admin fee / account holder | $367 | $467-21.2% | $5,481-93.3% | $504-27.1% |