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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 | $32,300 | $79,209-59.2% | $102,434-68.5% | $74,459-56.6% |
| Participation rate | 62.4% | 74.8%-12.4pp | 76.5%-14.1pp | 67.2%-4.9pp |
| Annual return | 31.28% | 54.98%-23.7pp | 29.46%+1.8pp | 1369.70%-1338.4pp |
| Employer contribution / active EE | $1,933 | $2,362-18.2% | $3,023-36.1% | $2,626-26.4% |
| Participant deferral / active EE | $2,498 | $4,417-43.4% | $5,055-50.6% | $4,350-42.6% |
| Admin fee / account holder | $2,191 | $2,002+9.5% | $9,462-76.8% | $1,945+12.7% |