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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 | $14,404 | $69,477-79.3% | $94,679-84.8% | $71,495-79.9% |
| Participation rate | 34.2% | 78.4%-44.2pp | 80.8%-46.6pp | 67.9%-33.7pp |
| Annual return | 222.69% | 29.66%+193.0pp | 156.75%+65.9pp | 28.85%+193.8pp |
| Employer contribution / active EE | $1,178 | $2,853-58.7% | $3,673-67.9% | $2,589-54.5% |
| Participant deferral / active EE | $5,230 | $7,345-28.8% | $7,417-29.5% | $4,291+21.9% |
| Admin fee / account holder | $509 | $1,210-57.9% | $7,233-93.0% | $1,588-67.9% |