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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 | $11,726 | $100,061-88.3% | $120,344-90.3% | $64,728-81.9% |
| Participation rate | 60.3% | 79.8%-19.6pp | 76.7%-16.4pp | 57.9%+2.4pp |
| Annual return | 44.83% | 16.53%+28.3pp | 20.30%+24.5pp | 49.38%-4.6pp |
| Employer contribution / active EE | $1,098 | $3,112-64.7% | $3,020-63.7% | $2,243-51.1% |
| Participant deferral / active EE | $2,591 | $4,955-47.7% | $5,135-49.5% | $2,729-5.1% |
| Admin fee / account holder | $605 | $428+41.2% | $12,742-95.3% | $1,145-47.2% |