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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 | $18,911 | $80,753-76.6% | $136,298-86.1% | $62,293-69.6% |
| Participation rate | 67.7% | 73.5%-5.8pp | 81.9%-14.2pp | 69.5%-1.8pp |
| Annual return | 39.71% | 35.83%+3.9pp | 5156.27%-5116.6pp | 28.90%+10.8pp |
| Employer contribution / active EE | $1,664 | $2,884-42.3% | $4,696-64.6% | $2,042-18.5% |
| Participant deferral / active EE | $3,569 | $5,164-30.9% | $6,247-42.9% | $3,169+12.6% |
| Admin fee / account holder | $3,292 | $525+526.5% | $9,244-64.4% | $479+586.7% |