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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 | $25,352 | $83,045-69.5% | $130,045-80.5% | $71,511-64.5% |
| Participation rate | 52.9% | 74.1%-21.2pp | 78.5%-25.6pp | 67.9%-15.0pp |
| Annual return | 31.20% | 20.61%+10.6pp | -137.30%+168.5pp | 28.86%+2.3pp |
| Employer contribution / active EE | $2,381 | $2,623-9.2% | $4,321-44.9% | $2,589-8.0% |
| Participant deferral / active EE | $3,713 | $4,436-16.3% | $5,820-36.2% | $4,291-13.5% |
| Admin fee / account holder | $751 | $1,727-56.5% | $10,600-92.9% | $1,588-52.8% |