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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 | $12,665 | $67,411-81.2% | $91,004-86.1% | $70,126-81.9% |
| Participation rate | 67.8% | 71.4%-3.5pp | 75.6%-7.8pp | 69.5%-1.7pp |
| Annual return | 12.99% | -40.16%+53.2pp | 4.60%+8.4pp | 73.15%-60.2pp |
| Employer contribution / active EE | $1,160 | $1,786-35.1% | $2,456-52.8% | $2,343-50.5% |
| Participant deferral / active EE | $1,633 | $2,823-42.1% | $3,548-54.0% | $3,332-51.0% |
| Admin fee / account holder | $1,541 | $4,236-63.6% | $5,417-71.6% | $4,645-66.8% |