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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 | $19,648 | $80,781-75.7% | $102,437-80.8% | $74,478-73.6% |
| Participation rate | 53.9% | 65.7%-11.7pp | 74.5%-20.6pp | 67.2%-13.3pp |
| Annual return | 21.77% | 27.58%-5.8pp | 24.95%-3.2pp | 1370.56%-1348.8pp |
| Employer contribution / active EE | $1,017 | $3,160-67.8% | $3,871-73.7% | $2,626-61.3% |
| Participant deferral / active EE | $4,969 | $3,862+28.7% | $5,060-1.8% | $4,350+14.2% |
| Admin fee / account holder | $1,451 | $2,372-38.8% | $8,388-82.7% | $1,946-25.4% |