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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 | $33,254 | $88,203-62.3% | $165,100-79.9% | $74,478-55.4% |
| Participation rate | 68.9% | 73.1%-4.2pp | 78.6%-9.7pp | 67.2%+1.7pp |
| Annual return | 18.62% | 17.13%+1.5pp | 70.21%-51.6pp | 1370.56%-1351.9pp |
| Employer contribution / active EE | $2,801 | $2,601+7.7% | $4,348-35.6% | $2,626+6.7% |
| Participant deferral / active EE | $7,109 | $4,505+57.8% | $6,035+17.8% | $4,350+63.4% |
| Admin fee / account holder | $1,050 | $2,235-53.0% | $12,696-91.7% | $1,946-46.0% |