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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 | $13,429 | $50,175-73.2% | $99,475-86.5% | $65,185-79.4% |
| Participation rate | 64.7% | 68.4%-3.8pp | 73.8%-9.2pp | 70.2%-5.5pp |
| Annual return | 30.82% | 25.36%+5.5pp | 30.72%+0.1pp | 29.38%+1.4pp |
| Employer contribution / active EE | $0 | $1,496-100.0% | $2,540-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,335 | $2,748+57.8% | $3,619+19.8% | $3,514+23.4% |
| Admin fee / account holder | $2,415 | $398+507.4% | $6,252-61.4% | $847+185.0% |