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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 | $20,463 | $69,774-70.7% | $67,575-69.7% | $74,459-72.5% |
| Participation rate | 50.3% | 71.4%-21.1pp | 72.9%-22.6pp | 67.2%-17.0pp |
| Annual return | 17.92% | -40.53%+58.4pp | 3528.98%-3511.1pp | 1369.70%-1351.8pp |
| Employer contribution / active EE | $1,062 | $2,710-60.8% | $2,736-61.2% | $2,626-59.6% |
| Participant deferral / active EE | $2,049 | $3,636-43.7% | $4,003-48.8% | $4,350-52.9% |
| Admin fee / account holder | $456 | $890-48.8% | $3,993-88.6% | $1,945-76.6% |