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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 | $10,145 | $88,360-88.5% | $145,433-93.0% | $67,986-85.1% |
| Participation rate | 59.4% | 65.5%-6.1pp | 82.1%-22.7pp | 57.2%+2.2pp |
| Annual return | 20.55% | 63.15%-42.6pp | 66.58%-46.0pp | 31.67%-11.1pp |
| Employer contribution / active EE | $431 | $3,054-85.9% | $4,554-90.5% | $2,019-78.7% |
| Participant deferral / active EE | $1,940 | $5,932-67.3% | $7,897-75.4% | $3,358-42.2% |
| Admin fee / account holder | $918 | $3,313-72.3% | $13,129-93.0% | $3,203-71.3% |