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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 | $17,942 | $59,006-69.6% | $97,295-81.6% | $74,478-75.9% |
| Participation rate | 47.7% | 63.7%-16.0pp | 72.7%-25.0pp | 67.2%-19.6pp |
| Annual return | 16.27% | 16.04%+0.2pp | 75.62%-59.3pp | 1370.56%-1354.3pp |
| Employer contribution / active EE | $1,742 | $1,894-8.0% | $2,723-36.0% | $2,626-33.7% |
| Participant deferral / active EE | $3,198 | $3,671-12.9% | $4,264-25.0% | $4,350-26.5% |
| Admin fee / account holder | $516 | $1,974-73.8% | $5,646-90.9% | $1,946-73.5% |