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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 | $9,005 | $55,446-83.8% | $155,574-94.2% | $74,429-87.9% |
| Participation rate | 42.3% | 61.9%-19.6pp | 78.2%-35.9pp | 67.2%-24.9pp |
| Annual return | 12.27% | 269.20%-256.9pp | 64.87%-52.6pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $456 | $2,266-79.9% | $4,676-90.3% | $2,625-82.6% |
| Participant deferral / active EE | $1,171 | $2,836-58.7% | $5,629-79.2% | $4,348-73.1% |
| Admin fee / account holder | $1,184 | $1,743-32.1% | $15,914-92.6% | $1,944-39.1% |