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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 | $36,002-84.6% | $161,489-96.6% | $64,728-91.4% |
| Participation rate | 42.7% | 57.4%-14.7pp | 78.7%-36.0pp | 57.9%-15.2pp |
| Annual return | 17.98% | 33.93%-16.0pp | 89.72%-71.7pp | 49.38%-31.4pp |
| Employer contribution / active EE | $633 | $1,380-54.1% | $4,268-85.2% | $2,243-71.8% |
| Participant deferral / active EE | $963 | $1,815-46.9% | $5,630-82.9% | $2,729-64.7% |
| Admin fee / account holder | $363 | $931-61.0% | $16,006-97.7% | $1,145-68.3% |