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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 | $24,498 | $76,696-68.1% | $96,538-74.6% | $71,529-65.8% |
| Participation rate | 65.3% | 66.6%-1.3pp | 74.3%-9.1pp | 67.9%-2.6pp |
| Annual return | 28.42% | 48.32%-19.9pp | 35.74%-7.3pp | 28.97%-0.5pp |
| Employer contribution / active EE | $1,905 | $3,032-37.2% | $3,740-49.1% | $2,590-26.5% |
| Participant deferral / active EE | $3,252 | $3,770-13.8% | $4,880-33.4% | $4,291-24.2% |
| Admin fee / account holder | $1,418 | $2,030-30.2% | $6,737-79.0% | $1,588-10.7% |