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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 | $27,799 | $91,474-69.6% | $135,982-79.6% | $71,529-61.1% |
| Participation rate | 68.2% | 75.7%-7.5pp | 81.9%-13.7pp | 67.9%+0.3pp |
| Annual return | 20.23% | 29.89%-9.7pp | 68.32%-48.1pp | 28.97%-8.7pp |
| Employer contribution / active EE | $2,046 | $3,705-44.8% | $4,859-57.9% | $2,590-21.0% |
| Participant deferral / active EE | $7,210 | $7,095+1.6% | $7,760-7.1% | $4,291+68.0% |
| Admin fee / account holder | $8,438 | $1,267+565.9% | $10,767-21.6% | $1,588+431.2% |