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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 | $5,549 | $38,165-85.5% | $189,758-97.1% | $69,255-92.0% |
| Participation rate | 42.7% | 66.7%-24.0pp | 79.8%-37.1pp | 69.0%-26.3pp |
| Annual return | 17.98% | 14.65%+3.3pp | 52.62%-34.6pp | 26.73%-8.7pp |
| Employer contribution / active EE | $633 | $1,589-60.2% | $4,767-86.7% | $2,645-76.1% |
| Participant deferral / active EE | $963 | $2,073-53.5% | $5,856-83.6% | $2,890-66.7% |
| Admin fee / account holder | $363 | $714-49.2% | $20,388-98.2% | $733-50.5% |