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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 | $58,778-72.0% | $129,295-87.3% | $77,671-78.8% |
| Participation rate | 20.3% | 59.2%-38.9pp | 69.6%-49.3pp | 70.6%-50.3pp |
| Annual return | 33.48% | 24.73%+8.8pp | 9429.28%-9395.8pp | 31.21%+2.3pp |
| Employer contribution / active EE | $659 | $1,952-66.3% | $4,157-84.2% | $2,726-75.8% |
| Participant deferral / active EE | $1,280 | $3,212-60.1% | $4,169-69.3% | $4,648-72.4% |
| Admin fee / account holder | $3,243 | $589+450.1% | $7,665-57.7% | $430+653.4% |