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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 | $13,011 | $60,305-78.4% | $81,780-84.1% | $74,400-82.5% |
| Participation rate | 37.1% | 62.9%-25.8pp | 72.4%-35.3pp | 67.2%-30.1pp |
| Annual return | 17.78% | 16.89%+0.9pp | 776.27%-758.5pp | 1367.51%-1349.7pp |
| Employer contribution / active EE | $0 | $2,623-100.0% | $2,914-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,391 | $3,390-59.0% | $4,321-67.8% | $4,348-68.0% |
| Admin fee / account holder | $523 | $1,484-64.8% | $7,384-92.9% | $1,944-73.1% |