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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 | $7,219 | $65,566-89.0% | $86,235-91.6% | $75,177-90.4% |
| Participation rate | 52.6% | 60.5%-7.9pp | 69.0%-16.3pp | 67.2%-14.6pp |
| Annual return | 24.22% | 46.07%-21.9pp | 1170.03%-1145.8pp | 160.75%-136.5pp |
| Employer contribution / active EE | $1,657 | $1,553+6.7% | $2,381-30.4% | $2,671-38.0% |
| Participant deferral / active EE | $2,844 | $3,023-5.9% | $3,987-28.7% | $4,126-31.1% |
| Admin fee / account holder | $713 | $5,470-87.0% | $6,856-89.6% | $5,651-87.4% |