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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 | $24,192 | $102,661-76.4% | $151,628-84.0% | $66,930-63.9% |
| Participation rate | 66.7% | 85.5%-18.9pp | 87.5%-20.8pp | 69.8%-3.1pp |
| Annual return | -6.55% | -10.81%+4.3pp | 3.34%-9.9pp | 1.57%-8.1pp |
| Employer contribution / active EE | $2,478 | $4,184-40.8% | $6,165-59.8% | $2,545-2.6% |
| Participant deferral / active EE | $4,866 | $6,645-26.8% | $8,363-41.8% | $4,238+14.8% |
| Admin fee / account holder | $667 | $630+5.8% | $11,613-94.3% | $593+12.4% |