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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 | $5,402 | $63,768-91.5% | $98,483-94.5% | $79,391-93.2% |
| Participation rate | 54.0% | 69.9%-15.9pp | 73.3%-19.4pp | 70.7%-16.7pp |
| Annual return | 17.02% | 626.18%-609.2pp | 1494.38%-1477.4pp | 116.88%-99.9pp |
| Employer contribution / active EE | $453 | $2,558-82.3% | $2,961-84.7% | $2,428-81.3% |
| Participant deferral / active EE | $1,322 | $3,305-60.0% | $4,276-69.1% | $4,046-67.3% |
| Admin fee / account holder | $701 | $516+35.8% | $5,953-88.2% | $627+11.8% |