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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 | $19,054 | $68,607-72.2% | $147,027-87.0% | $64,340-70.4% |
| Participation rate | 57.5% | 50.4%+7.1pp | 73.7%-16.2pp | 55.2%+2.3pp |
| Annual return | 16.79% | 13.75%+3.0pp | 20.23%-3.4pp | 24.14%-7.4pp |
| Employer contribution / active EE | $821 | $1,554-47.2% | $3,626-77.4% | $1,862-55.9% |
| Participant deferral / active EE | $1,993 | $2,402-17.0% | $4,933-59.6% | $2,980-33.1% |
| Admin fee / account holder | $2,209 | $3,287-32.8% | $12,223-81.9% | $3,703-40.3% |