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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 | $4,592 | $65,083-92.9% | $143,788-96.8% | $66,930-93.1% |
| Participation rate | 67.9% | 65.2%+2.7pp | 80.3%-12.4pp | 69.8%-1.9pp |
| Annual return | 25.88% | -11.13%+37.0pp | -0.03%+25.9pp | 1.57%+24.3pp |
| Employer contribution / active EE | $923 | $2,361-60.9% | $4,952-81.4% | $2,545-63.7% |
| Participant deferral / active EE | $1,606 | $2,920-45.0% | $5,638-71.5% | $4,238-62.1% |
| Admin fee / account holder | $341 | $502-32.1% | $14,675-97.7% | $593-42.5% |