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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 | $6,134 | $26,137-76.5% | $58,561-89.5% | $74,460-91.8% |
| Participation rate | 16.7% | 32.2%-15.5pp | 50.9%-34.2pp | 70.7%-54.1pp |
| Annual return | 30.17% | 32.53%-2.4pp | 4251.33%-4221.2pp | 34.38%-4.2pp |
| Employer contribution / active EE | $216 | $537-59.7% | $1,053-79.5% | $2,638-91.8% |
| Participant deferral / active EE | $621 | $1,076-42.3% | $1,923-67.7% | $4,530-86.3% |
| Admin fee / account holder | $512 | $648-21.0% | $2,520-79.7% | $348+47.1% |