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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 | $3,982 | $54,690-92.7% | $76,030-94.8% | $74,478-94.7% |
| Participation rate | 68.7% | 60.3%+8.4pp | 69.1%-0.4pp | 67.2%+1.5pp |
| Annual return | 14.92% | 31.92%-17.0pp | 361.54%-346.6pp | 1370.56%-1355.6pp |
| Employer contribution / active EE | $648 | $1,781-63.6% | $2,688-75.9% | $2,626-75.3% |
| Participant deferral / active EE | $1,464 | $3,070-52.3% | $4,257-65.6% | $4,350-66.4% |
| Admin fee / account holder | $1,422 | $2,240-36.5% | $6,421-77.9% | $1,946-26.9% |