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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 | $19,440 | $101,672-80.9% | $147,117-86.8% | $74,478-73.9% |
| Participation rate | 61.9% | 75.5%-13.6pp | 82.2%-20.3pp | 67.2%-5.3pp |
| Annual return | 29.07% | 8757.83%-8728.8pp | 420.54%-391.5pp | 1370.56%-1341.5pp |
| Employer contribution / active EE | $1,451 | $3,813-62.0% | $4,932-70.6% | $2,626-44.8% |
| Participant deferral / active EE | $3,308 | $7,305-54.7% | $8,065-59.0% | $4,350-24.0% |
| Admin fee / account holder | $727 | $1,753-58.6% | $12,993-94.4% | $1,946-62.7% |