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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 | $3,472 | $60,119-94.2% | $90,414-96.2% | $79,860-95.7% |
| Participation rate | 43.3% | 65.0%-21.6pp | 72.7%-29.3pp | 69.6%-26.3pp |
| Annual return | 38.22% | 71.94%-33.7pp | 1293.19%-1255.0pp | 31.72%+6.5pp |
| Employer contribution / active EE | $1,133 | $2,068-45.2% | $3,262-65.3% | $2,471-54.1% |
| Participant deferral / active EE | $4,615 | $2,938+57.1% | $3,963+16.4% | $3,740+23.4% |
| Admin fee / account holder | $993 | $3,976-75.0% | $5,611-82.3% | $5,306-81.3% |