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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 | $11,934 | $68,868-82.7% | $183,328-93.5% | $67,986-82.4% |
| Participation rate | 56.1% | 57.0%-0.9pp | 77.3%-21.2pp | 57.2%-1.1pp |
| Annual return | 28.81% | 28.80%0pp | 29.67%-0.9pp | 31.67%-2.9pp |
| Employer contribution / active EE | $968 | $2,917-66.8% | $5,055-80.8% | $2,019-52.0% |
| Participant deferral / active EE | $2,347 | $4,364-46.2% | $6,795-65.5% | $3,358-30.1% |
| Admin fee / account holder | $928 | $3,805-75.6% | $21,427-95.7% | $3,203-71.0% |