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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 | $17,695 | $101,499-82.6% | $147,005-88.0% | $74,546-76.3% |
| Participation rate | 53.8% | 75.5%-21.7pp | 82.2%-28.3pp | 67.2%-13.4pp |
| Annual return | 18.13% | 8732.34%-8714.2pp | 418.76%-400.6pp | 1366.03%-1347.9pp |
| Employer contribution / active EE | $973 | $3,811-74.5% | $4,934-80.3% | $2,624-62.9% |
| Participant deferral / active EE | $3,264 | $7,304-55.3% | $8,070-59.6% | $4,347-24.9% |
| Admin fee / account holder | $1,196 | $1,748-31.6% | $13,006-90.8% | $1,944-38.4% |