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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 | $23,633 | $91,474-74.2% | $135,982-82.6% | $71,529-67.0% |
| Participation rate | 65.6% | 75.7%-10.1pp | 81.9%-16.3pp | 67.9%-2.3pp |
| Annual return | 21.77% | 29.89%-8.1pp | 68.32%-46.6pp | 28.97%-7.2pp |
| Employer contribution / active EE | $1,844 | $3,705-50.2% | $4,859-62.0% | $2,590-28.8% |
| Participant deferral / active EE | $4,201 | $7,095-40.8% | $7,760-45.9% | $4,291-2.1% |
| Admin fee / account holder | $785 | $1,267-38.1% | $10,767-92.7% | $1,588-50.6% |