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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 | $19,265 | $91,439-78.9% | $135,974-85.8% | $71,511-73.1% |
| Participation rate | 67.3% | 75.7%-8.4pp | 81.9%-14.6pp | 67.9%-0.6pp |
| Annual return | 36.42% | 29.90%+6.5pp | 68.30%-31.9pp | 28.86%+7.6pp |
| Employer contribution / active EE | $1,751 | $3,705-52.7% | $4,859-64.0% | $2,589-32.4% |
| Participant deferral / active EE | $4,061 | $7,093-42.7% | $7,760-47.7% | $4,291-5.3% |
| Admin fee / account holder | $665 | $1,267-47.5% | $10,767-93.8% | $1,588-58.2% |