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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 | $2,883 | $49,891-94.2% | $80,607-96.4% | $75,181-96.2% |
| Participation rate | 68.9% | 55.3%+13.6pp | 67.0%+1.9pp | 67.2%+1.7pp |
| Annual return | 20.95% | 34.67%-13.7pp | 936.11%-915.2pp | 160.69%-139.7pp |
| Employer contribution / active EE | $689 | $1,698-59.5% | $2,724-74.7% | $2,671-74.2% |
| Participant deferral / active EE | $1,080 | $2,991-63.9% | $4,448-75.7% | $4,126-73.8% |
| Admin fee / account holder | $322 | $3,578-91.0% | $5,379-94.0% | $5,650-94.3% |