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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 | $4,547 | $27,243-83.3% | $52,425-91.3% | $79,634-94.3% |
| Participation rate | 66.6% | 22.4%+44.1pp | 55.6%+10.9pp | 62.5%+4.1pp |
| Annual return | 22.45% | 63.36%-40.9pp | 302.12%-279.7pp | 36.46%-14.0pp |
| Employer contribution / active EE | $557 | $319+74.4% | $914-39.1% | $2,529-78.0% |
| Participant deferral / active EE | $1,141 | $636+79.5% | $1,790-36.3% | $3,835-70.3% |
| Admin fee / account holder | $747 | $2,105-64.5% | $2,495-70.1% | $1,002-25.5% |