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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 | $13,539 | $55,449-75.6% | $83,830-83.8% | $56,287-75.9% |
| Participation rate | 62.0% | 68.0%-6.0pp | 76.1%-14.1pp | 69.9%-7.8pp |
| Annual return | -6.95% | -1.38%-5.6pp | 850.97%-857.9pp | -9.96%+3.0pp |
| Employer contribution / active EE | $1,250 | $2,430-48.6% | $3,631-65.6% | $2,111-40.8% |
| Participant deferral / active EE | $2,222 | $2,935-24.3% | $4,082-45.6% | $3,350-33.7% |
| Admin fee / account holder | $2,350 | $656+258.3% | $5,479-57.1% | $521+351.2% |