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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 | $39,368 | $122,063-67.7% | $184,256-78.6% | $74,478-47.1% |
| Participation rate | 55.4% | 85.5%-30.1pp | 86.8%-31.5pp | 67.2%-11.8pp |
| Annual return | 23.60% | 19.92%+3.7pp | 28.85%-5.2pp | 1370.56%-1347.0pp |
| Employer contribution / active EE | $0 | $4,539-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $8,877 | $7,144+24.2% | $9,133-2.8% | $4,350+104.1% |
| Admin fee / account holder | $3,199 | $1,253+155.4% | $13,899-77.0% | $1,946+64.4% |