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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 | $6,680 | $45,343-85.3% | $150,298-95.6% | $67,986-90.2% |
| Participation rate | 64.8% | 51.9%+12.9pp | 77.8%-13.0pp | 57.2%+7.6pp |
| Annual return | 21.05% | 33.28%-12.2pp | 62.79%-41.7pp | 31.67%-10.6pp |
| Employer contribution / active EE | $542 | $1,462-63.0% | $4,154-87.0% | $2,019-73.2% |
| Participant deferral / active EE | $1,117 | $2,055-45.6% | $5,453-79.5% | $3,358-66.7% |
| Admin fee / account holder | $823 | $2,250-63.4% | $14,116-94.2% | $3,203-74.3% |