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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 | $12,997 | $60,454-78.5% | $81,844-84.1% | $74,459-82.5% |
| Participation rate | 56.9% | 63.0%-6.1pp | 72.4%-15.5pp | 67.2%-10.3pp |
| Annual return | 18.95% | 16.87%+2.1pp | 778.87%-759.9pp | 1369.70%-1350.7pp |
| Employer contribution / active EE | $1,619 | $2,630-38.4% | $2,916-44.5% | $2,626-38.4% |
| Participant deferral / active EE | $2,858 | $3,398-15.9% | $4,323-33.9% | $4,350-34.3% |
| Admin fee / account holder | $424 | $1,490-71.6% | $7,355-94.2% | $1,945-78.2% |