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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 | $14,084 | $46,464-69.7% | $150,298-90.6% | $79,634-82.3% |
| Participation rate | 25.0% | 57.0%-32.0pp | 77.8%-52.8pp | 62.5%-37.5pp |
| Annual return | 21.60% | 27.89%-6.3pp | 62.79%-41.2pp | 36.46%-14.9pp |
| Employer contribution / active EE | $555 | $1,512-63.3% | $4,154-86.6% | $2,529-78.0% |
| Participant deferral / active EE | $1,066 | $2,157-50.6% | $5,453-80.4% | $3,835-72.2% |
| Admin fee / account holder | $1,656 | $891+85.9% | $14,116-88.3% | $1,002+65.2% |