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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 | $10,019 | $50,385-80.1% | $75,501-86.7% | $62,293-83.9% |
| Participation rate | 36.8% | 67.7%-31.0pp | 72.4%-35.6pp | 69.5%-32.8pp |
| Annual return | 81.65% | 19.90%+61.8pp | 27.35%+54.3pp | 28.90%+52.8pp |
| Employer contribution / active EE | $643 | $1,537-58.2% | $2,352-72.7% | $2,042-68.5% |
| Participant deferral / active EE | $2,332 | $2,445-4.6% | $3,142-25.8% | $3,169-26.4% |
| Admin fee / account holder | $389 | $384+1.3% | $5,801-93.3% | $479-18.8% |