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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 | $5,165 | $52,884-90.2% | $84,753-93.9% | $55,167-90.6% |
| Participation rate | 56.1% | 67.5%-11.4pp | 76.6%-20.5pp | 69.0%-12.9pp |
| Annual return | 12.45% | 18.03%-5.6pp | 22.78%-10.3pp | 169.23%-156.8pp |
| Employer contribution / active EE | $1,606 | $2,233-28.1% | $3,574-55.1% | $1,963-18.2% |
| Participant deferral / active EE | $1,161 | $2,644-56.1% | $3,712-68.7% | $3,054-62.0% |
| Admin fee / account holder | $668 | $581+15.0% | $5,333-87.5% | $504+32.5% |