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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 | $10,923 | $60,454-81.9% | $81,844-86.7% | $74,459-85.3% |
| Participation rate | 65.4% | 63.0%+2.5pp | 72.4%-7.0pp | 67.2%-1.8pp |
| Annual return | 14.80% | 16.87%-2.1pp | 778.87%-764.1pp | 1369.70%-1354.9pp |
| Employer contribution / active EE | $442 | $2,630-83.2% | $2,916-84.8% | $2,626-83.2% |
| Participant deferral / active EE | $1,034 | $3,398-69.6% | $4,323-76.1% | $4,350-76.2% |
| Admin fee / account holder | $684 | $1,490-54.1% | $7,355-90.7% | $1,945-64.8% |