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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 | $45,312-90.0% | $86,233-94.7% | $67,986-93.3% |
| Participation rate | 68.8% | 42.4%+26.4pp | 69.0%-0.2pp | 57.2%+11.6pp |
| Annual return | 22.41% | 24.79%-2.4pp | 61.39%-39.0pp | 31.67%-9.3pp |
| Employer contribution / active EE | $600 | $1,160-48.2% | $2,504-76.0% | $2,019-70.3% |
| Participant deferral / active EE | $892 | $2,185-59.1% | $4,559-80.4% | $3,358-73.4% |
| Admin fee / account holder | $619 | $3,295-81.2% | $8,342-92.6% | $3,203-80.7% |