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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 | $4,475 | $30,421-85.3% | $56,077-92.0% | $74,429-94.0% |
| Participation rate | 68.4% | 32.9%+35.5pp | 52.5%+15.9pp | 67.2%+1.2pp |
| Annual return | 23.77% | 24.94%-1.2pp | 1709.28%-1685.5pp | 1368.38%-1344.6pp |
| Employer contribution / active EE | $954 | $610+56.5% | $1,040-8.3% | $2,625-63.7% |
| Participant deferral / active EE | $1,344 | $1,175+14.4% | $1,954-31.2% | $4,348-69.1% |
| Admin fee / account holder | $474 | $2,363-79.9% | $2,825-83.2% | $1,944-75.6% |