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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 | $11,483 | $46,072-75.1% | $69,779-83.5% | $55,167-79.2% |
| Participation rate | 56.0% | 67.5%-11.5pp | 71.8%-15.8pp | 69.0%-13.0pp |
| Annual return | 71.08% | 8.68%+62.4pp | 12.99%+58.1pp | 169.23%-98.2pp |
| Employer contribution / active EE | $930 | $1,500-38.0% | $2,338-60.2% | $1,963-52.6% |
| Participant deferral / active EE | $1,377 | $2,344-41.2% | $2,931-53.0% | $3,054-54.9% |
| Admin fee / account holder | $1,198 | $428+180.1% | $4,381-72.7% | $504+137.7% |