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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 | $33,733 | $110,535-69.5% | $149,600-77.5% | $71,012-52.5% |
| Participation rate | 33.3% | 70.0%-36.7pp | 77.2%-43.8pp | 58.6%-25.2pp |
| Annual return | 18.27% | 18.07%+0.2pp | 129.59%-111.3pp | 37.67%-19.4pp |
| Employer contribution / active EE | $269 | $4,608-94.2% | $4,193-93.6% | $2,348-88.5% |
| Participant deferral / active EE | $1,979 | $5,546-64.3% | $7,203-72.5% | $3,246-39.0% |
| Admin fee / account holder | $1,346 | $1,181+13.9% | $13,963-90.4% | $1,167+15.3% |