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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 | $22,541 | $91,439-75.3% | $135,974-83.4% | $71,511-68.5% |
| Participation rate | 59.0% | 75.7%-16.6pp | 81.9%-22.9pp | 67.9%-8.9pp |
| Annual return | 36.78% | 29.90%+6.9pp | 68.30%-31.5pp | 28.86%+7.9pp |
| Employer contribution / active EE | $1,602 | $3,705-56.8% | $4,859-67.0% | $2,589-38.1% |
| Participant deferral / active EE | $3,134 | $7,093-55.8% | $7,760-59.6% | $4,291-26.9% |
| Admin fee / account holder | $2,457 | $1,267+94.0% | $10,767-77.2% | $1,588+54.7% |