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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 | $11,263 | $45,123-75.0% | $85,240-86.8% | $74,478-84.9% |
| Participation rate | 44.7% | 49.4%-4.7pp | 67.5%-22.9pp | 67.2%-22.6pp |
| Annual return | 123.68% | 26.32%+97.4pp | 66.75%+56.9pp | 1370.56%-1246.9pp |
| Employer contribution / active EE | $881 | $1,459-39.6% | $2,735-67.8% | $2,626-66.4% |
| Participant deferral / active EE | $1,519 | $2,736-44.5% | $4,527-66.4% | $4,350-65.1% |
| Admin fee / account holder | $576 | $2,215-74.0% | $6,165-90.7% | $1,946-70.4% |