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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 | $41,524 | $116,081-64.2% | $156,181-73.4% | $79,634-47.9% |
| Participation rate | 39.7% | 75.6%-35.9pp | 78.8%-39.1pp | 62.5%-22.8pp |
| Annual return | 21.01% | 15.89%+5.1pp | 64.87%-43.9pp | 36.46%-15.4pp |
| Employer contribution / active EE | $1,306 | $2,828-53.8% | $4,294-69.6% | $2,529-48.4% |
| Participant deferral / active EE | $2,315 | $4,584-49.5% | $6,132-62.3% | $3,835-39.6% |
| Admin fee / account holder | $3,258 | $854+281.3% | $14,586-77.7% | $1,002+225.1% |