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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 | $2,922 | $55,470-94.7% | $155,556-98.1% | $74,478-96.1% |
| Participation rate | 54.7% | 61.9%-7.2pp | 78.2%-23.5pp | 67.2%-12.5pp |
| Annual return | 28.43% | 269.80%-241.4pp | 64.84%-36.4pp | 1370.56%-1342.1pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $988 | $2,838-65.2% | $5,631-82.4% | $4,350-77.3% |
| Admin fee / account holder | $531 | $1,744-69.6% | $15,885-96.7% | $1,946-72.7% |