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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 | $24,416 | $76,696-68.2% | $96,515-74.7% | $71,511-65.9% |
| Participation rate | 56.1% | 66.6%-10.5pp | 74.3%-18.3pp | 67.9%-11.9pp |
| Annual return | 31.10% | 48.32%-17.2pp | 35.73%-4.6pp | 28.86%+2.2pp |
| Employer contribution / active EE | $1,915 | $3,032-36.8% | $3,740-48.8% | $2,589-26.1% |
| Participant deferral / active EE | $2,944 | $3,770-21.9% | $4,880-39.7% | $4,291-31.4% |
| Admin fee / account holder | $1,170 | $2,030-42.3% | $6,735-82.6% | $1,588-26.3% |