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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 | $1,948 | $45,343-95.7% | $150,298-98.7% | $67,986-97.1% |
| Participation rate | 60.9% | 51.9%+9.0pp | 77.8%-16.9pp | 57.2%+3.7pp |
| Annual return | 27.36% | 33.28%-5.9pp | 62.79%-35.4pp | 31.67%-4.3pp |
| Employer contribution / active EE | $432 | $1,462-70.4% | $4,154-89.6% | $2,019-78.6% |
| Participant deferral / active EE | $620 | $2,055-69.8% | $5,453-88.6% | $3,358-81.5% |
| Admin fee / account holder | $419 | $2,250-81.4% | $14,116-97.0% | $3,203-86.9% |