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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 | $27,844 | $101,591-72.6% | $147,096-81.1% | $74,429-62.6% |
| Participation rate | 56.3% | 75.5%-19.3pp | 82.2%-25.9pp | 67.2%-10.9pp |
| Annual return | 35.29% | 8746.45%-8711.2pp | 419.75%-384.5pp | 1368.38%-1333.1pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,936-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,422 | $7,302-39.4% | $8,071-45.2% | $4,348+1.7% |
| Admin fee / account holder | $3,729 | $1,750+113.1% | $13,005-71.3% | $1,944+91.8% |