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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 | $82,133-87.6% | $147,318-93.1% | $64,097-84.2% |
| Participation rate | 59.4% | 62.3%-2.9pp | 82.1%-22.6pp | 55.2%+4.2pp |
| Annual return | 20.55% | 78.78%-58.2pp | 70.43%-49.9pp | 34.64%-14.1pp |
| Employer contribution / active EE | $431 | $2,872-85.0% | $4,593-90.6% | $1,891-77.2% |
| Participant deferral / active EE | $1,940 | $5,407-64.1% | $7,906-75.5% | $3,080-37.0% |
| Admin fee / account holder | $918 | $3,730-75.4% | $13,708-93.3% | $3,454-73.4% |