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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 | $15,512 | $59,448-73.9% | $93,696-83.4% | $74,459-79.2% |
| Participation rate | 57.9% | 59.6%-1.8pp | 68.7%-10.9pp | 67.2%-9.4pp |
| Annual return | 158.53% | 82.11%+76.4pp | 133.74%+24.8pp | 1369.70%-1211.2pp |
| Employer contribution / active EE | $682 | $1,266-46.1% | $2,422-71.8% | $2,626-74.0% |
| Participant deferral / active EE | $1,514 | $3,052-50.4% | $4,417-65.7% | $4,350-65.2% |
| Admin fee / account holder | $1,610 | $3,027-46.8% | $8,287-80.6% | $1,945-17.2% |