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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 | $12,521 | $60,488-79.3% | $109,895-88.6% | $79,393-84.2% |
| Participation rate | 61.7% | 67.0%-5.4pp | 74.2%-12.6pp | 70.7%-9.1pp |
| Annual return | 24.70% | 189.57%-164.9pp | 29.46%-4.8pp | 116.87%-92.2pp |
| Employer contribution / active EE | $1,408 | $1,649-14.6% | $2,843-50.5% | $2,428-42.0% |
| Participant deferral / active EE | $2,852 | $3,220-11.4% | $4,049-29.6% | $4,046-29.5% |
| Admin fee / account holder | $873 | $605+44.5% | $6,067-85.6% | $627+39.4% |