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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 | $15,904 | $88,137-82.0% | $164,975-90.4% | $74,429-78.6% |
| Participation rate | 60.3% | 73.1%-12.8pp | 78.6%-18.3pp | 67.2%-6.9pp |
| Annual return | 15.68% | 17.13%-1.4pp | 70.12%-54.4pp | 1368.38%-1352.7pp |
| Employer contribution / active EE | $952 | $2,597-63.3% | $4,343-78.1% | $2,625-63.7% |
| Participant deferral / active EE | $4,842 | $4,501+7.6% | $6,033-19.8% | $4,348+11.3% |
| Admin fee / account holder | $1,316 | $2,231-41.0% | $12,688-89.6% | $1,944-32.3% |