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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 | $33,805 | $83,045-59.3% | $130,045-74.0% | $71,511-52.7% |
| Participation rate | 63.9% | 74.1%-10.2pp | 78.5%-14.6pp | 67.9%-4.0pp |
| Annual return | 19.02% | 20.61%-1.6pp | -137.30%+156.3pp | 28.86%-9.8pp |
| Employer contribution / active EE | $2,392 | $2,623-8.8% | $4,321-44.6% | $2,589-7.6% |
| Participant deferral / active EE | $2,966 | $4,436-33.1% | $5,820-49.0% | $4,291-30.9% |
| Admin fee / account holder | $1,033 | $1,727-40.2% | $10,600-90.3% | $1,588-35.0% |