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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 | $17,434 | $104,482-83.3% | $159,455-89.1% | $79,393-78.0% |
| Participation rate | 51.3% | 76.6%-25.3pp | 82.8%-31.5pp | 70.7%-19.4pp |
| Annual return | 168.83% | 67.96%+100.9pp | 263.63%-94.8pp | 116.87%+52.0pp |
| Employer contribution / active EE | $2,601 | $3,416-23.9% | $4,830-46.2% | $2,428+7.1% |
| Participant deferral / active EE | $6,824 | $6,467+5.5% | $7,353-7.2% | $4,046+68.7% |
| Admin fee / account holder | $1,600 | $711+125.0% | $10,800-85.2% | $627+155.4% |