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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 | $4,544 | $48,050-90.5% | $96,754-95.3% | $64,340-92.9% |
| Participation rate | 68.8% | 40.6%+28.3pp | 70.3%-1.4pp | 55.2%+13.6pp |
| Annual return | 22.41% | 23.41%-1.0pp | 82.04%-59.6pp | 24.14%-1.7pp |
| Employer contribution / active EE | $600 | $1,204-50.1% | $2,679-77.6% | $1,862-67.8% |
| Participant deferral / active EE | $892 | $2,191-59.3% | $4,758-81.2% | $2,980-70.1% |
| Admin fee / account holder | $619 | $3,741-83.5% | $8,905-93.1% | $3,703-83.3% |