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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 | $16,431 | $58,859-72.1% | $129,339-87.3% | $77,692-78.9% |
| Participation rate | 20.3% | 59.3%-39.0pp | 69.6%-49.3pp | 70.6%-50.3pp |
| Annual return | 33.48% | 24.74%+8.7pp | 9437.05%-9403.6pp | 31.25%+2.2pp |
| Employer contribution / active EE | $659 | $1,952-66.3% | $4,154-84.1% | $2,726-75.8% |
| Participant deferral / active EE | $1,280 | $3,215-60.2% | $4,170-69.3% | $4,648-72.5% |
| Admin fee / account holder | $3,243 | $591+449.1% | $7,668-57.7% | $431+653.2% |