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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 | $21,230 | $66,813-68.2% | $100,528-78.9% | $73,493-71.1% |
| Participation rate | 56.1% | 77.5%-21.3pp | 79.4%-23.3pp | 70.7%-14.5pp |
| Annual return | 40.01% | 25.70%+14.3pp | 30.90%+9.1pp | 28.51%+11.5pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $3,419-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $6,104 | $5,883+3.8% | $6,271-2.7% | $3,740+63.2% |
| Admin fee / account holder | $1,104 | $512+115.6% | $8,084-86.3% | $513+115.2% |