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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 | $10,404 | $59,467-82.5% | $93,727-88.9% | $74,478-86.0% |
| Participation rate | 61.6% | 59.6%+2.0pp | 68.7%-7.1pp | 67.2%-5.6pp |
| Annual return | 28.52% | 82.14%-53.6pp | 133.83%-105.3pp | 1370.56%-1342.0pp |
| Employer contribution / active EE | $1,433 | $1,267+13.2% | $2,421-40.8% | $2,626-45.4% |
| Participant deferral / active EE | $2,709 | $3,052-11.2% | $4,417-38.7% | $4,350-37.7% |
| Admin fee / account holder | $406 | $3,028-86.6% | $8,292-95.1% | $1,946-79.1% |