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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 | $13,812 | $52,884-73.9% | $84,753-83.7% | $55,167-75.0% |
| Participation rate | 47.0% | 67.5%-20.5pp | 76.6%-29.6pp | 69.0%-22.0pp |
| Annual return | 10.26% | 18.03%-7.8pp | 22.78%-12.5pp | 169.23%-159.0pp |
| Employer contribution / active EE | $766 | $2,233-65.7% | $3,574-78.6% | $1,963-61.0% |
| Participant deferral / active EE | $1,222 | $2,644-53.8% | $3,712-67.1% | $3,054-60.0% |
| Admin fee / account holder | $442 | $581-23.9% | $5,333-91.7% | $504-12.3% |