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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 | $39,546 | $89,465-55.8% | $165,100-76.0% | $77,762-49.1% |
| Participation rate | 42.0% | 78.6%-36.7pp | 78.6%-36.7pp | 70.6%-28.6pp |
| Annual return | 72.29% | 28.86%+43.4pp | 70.21%+2.1pp | 31.27%+41.0pp |
| Employer contribution / active EE | $1,457 | $2,565-43.2% | $4,348-66.5% | $2,728-46.6% |
| Participant deferral / active EE | $3,442 | $4,904-29.8% | $6,035-43.0% | $4,651-26.0% |
| Admin fee / account holder | $4,137 | $340+1117.5% | $12,696-67.4% | $433+855.7% |