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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 | $16,648 | $101,591-83.6% | $147,096-88.7% | $74,429-77.6% |
| Participation rate | 56.4% | 75.5%-19.2pp | 82.2%-25.8pp | 67.2%-10.8pp |
| Annual return | 43.23% | 8746.45%-8703.2pp | 419.75%-376.5pp | 1368.38%-1325.2pp |
| Employer contribution / active EE | $1,723 | $3,813-54.8% | $4,936-65.1% | $2,625-34.4% |
| Participant deferral / active EE | $3,270 | $7,302-55.2% | $8,071-59.5% | $4,348-24.8% |
| Admin fee / account holder | $1,052 | $1,750-39.9% | $13,005-91.9% | $1,944-45.9% |