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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 | $1,938 | $41,150-95.3% | $80,627-97.6% | $71,511-97.3% |
| Participation rate | 53.9% | 50.3%+3.6pp | 67.0%-13.1pp | 67.9%-14.0pp |
| Annual return | 27.15% | 38.48%-11.3pp | 936.76%-909.6pp | 28.86%-1.7pp |
| Employer contribution / active EE | $0 | $1,515-100.0% | $2,723-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,590 | $2,701-41.1% | $4,443-64.2% | $4,291-62.9% |
| Admin fee / account holder | $408 | $1,841-77.8% | $5,381-92.4% | $1,588-74.3% |