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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 | $6,589 | $50,199-86.9% | $69,890-90.6% | $66,949-90.2% |
| Participation rate | 49.0% | 66.3%-17.4pp | 70.5%-21.5pp | 69.8%-20.9pp |
| Annual return | -14.93% | -13.85%-1.1pp | 190.84%-205.8pp | 1.57%-16.5pp |
| Employer contribution / active EE | $815 | $1,864-56.3% | $2,560-68.2% | $2,545-68.0% |
| Participant deferral / active EE | $1,512 | $3,112-51.4% | $3,848-60.7% | $4,239-64.3% |
| Admin fee / account holder | $425 | $600-29.1% | $6,267-93.2% | $594-28.4% |