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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 | $17,284 | $63,433-72.8% | $63,803-72.9% | $64,097-73.0% |
| Participation rate | 57.4% | 65.0%-7.7pp | 72.7%-15.4pp | 55.2%+2.2pp |
| Annual return | 18.57% | 20.74%-2.2pp | 543.72%-525.1pp | 34.64%-16.1pp |
| Employer contribution / active EE | $892 | $2,332-61.7% | $2,532-64.8% | $1,891-52.8% |
| Participant deferral / active EE | $1,032 | $3,119-66.9% | $3,843-73.1% | $3,080-66.5% |
| Admin fee / account holder | $1,064 | $1,489-28.5% | $5,196-79.5% | $3,454-69.2% |