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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 | $6,096 | $65,960-90.8% | $81,882-92.6% | $77,762-92.2% |
| Participation rate | 31.6% | 65.8%-34.2pp | 72.4%-40.8pp | 70.6%-39.0pp |
| Annual return | 19.38% | 26.64%-7.3pp | 779.47%-760.1pp | 31.27%-11.9pp |
| Employer contribution / active EE | $591 | $2,375-75.1% | $2,916-79.7% | $2,728-78.3% |
| Participant deferral / active EE | $1,251 | $3,505-64.3% | $4,323-71.1% | $4,651-73.1% |
| Admin fee / account holder | $420 | $526-20.2% | $7,360-94.3% | $433-2.9% |