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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 | $11,675 | $46,732-75.0% | $156,551-92.5% | $55,167-78.8% |
| Participation rate | 39.5% | 65.8%-26.3pp | 84.0%-44.6pp | 69.0%-29.5pp |
| Annual return | 12.52% | 17.72%-5.2pp | 32.23%-19.7pp | 169.23%-156.7pp |
| Employer contribution / active EE | $969 | $2,105-54.0% | $5,501-82.4% | $1,963-50.6% |
| Participant deferral / active EE | $1,535 | $2,204-30.4% | $4,871-68.5% | $3,054-49.8% |
| Admin fee / account holder | $617 | $418+47.4% | $13,028-95.3% | $504+22.4% |