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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 | $46,464-88.1% | $150,298-96.3% | $79,634-93.0% |
| Participation rate | 42.7% | 57.0%-14.3pp | 77.8%-35.1pp | 62.5%-19.8pp |
| Annual return | 17.98% | 27.89%-9.9pp | 62.79%-44.8pp | 36.46%-18.5pp |
| Employer contribution / active EE | $633 | $1,512-58.1% | $4,154-84.8% | $2,529-75.0% |
| Participant deferral / active EE | $963 | $2,157-55.3% | $5,453-82.3% | $3,835-74.9% |
| Admin fee / account holder | $363 | $891-59.3% | $14,116-97.4% | $1,002-63.8% |