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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 | $8,030 | $58,726-86.3% | $92,240-91.3% | $62,293-87.1% |
| Participation rate | 65.7% | 68.3%-2.6pp | 76.5%-10.8pp | 69.5%-3.8pp |
| Annual return | 36.09% | 43.62%-7.5pp | 176.29%-140.2pp | 28.90%+7.2pp |
| Employer contribution / active EE | $932 | $2,392-61.0% | $3,680-74.7% | $2,042-54.3% |
| Participant deferral / active EE | $1,310 | $2,766-52.6% | $3,897-66.4% | $3,169-58.7% |
| Admin fee / account holder | $855 | $556+53.7% | $5,194-83.5% | $479+78.4% |