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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 | $40,926 | $146,267-72.0% | $197,124-79.2% | $82,448-50.4% |
| Participation rate | 61.1% | 84.0%-23.0pp | 86.7%-25.7pp | 68.1%-7.0pp |
| Annual return | 21.15% | 29.61%-8.5pp | 44.34%-23.2pp | 41.64%-20.5pp |
| Employer contribution / active EE | $4,405 | $4,723-6.7% | $6,227-29.3% | $2,551+72.7% |
| Participant deferral / active EE | $9,396 | $7,035+33.6% | $9,135+2.9% | $4,139+127.0% |
| Admin fee / account holder | $1,859 | $14,422-87.1% | $16,298-88.6% | $7,234-74.3% |