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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 | $59,402-73.9% | $93,654-83.4% | $74,546-79.2% |
| Participation rate | 57.9% | 59.7%-1.8pp | 68.7%-10.9pp | 67.2%-9.3pp |
| Annual return | 158.53% | 81.86%+76.7pp | 133.34%+25.2pp | 1366.03%-1207.5pp |
| Employer contribution / active EE | $682 | $1,265-46.1% | $2,421-71.8% | $2,624-74.0% |
| Participant deferral / active EE | $1,514 | $3,049-50.3% | $4,413-65.7% | $4,347-65.2% |
| Admin fee / account holder | $1,610 | $3,023-46.7% | $8,282-80.6% | $1,944-17.1% |