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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 | $17,279 | $91,439-81.1% | $135,974-87.3% | $71,511-75.8% |
| Participation rate | 69.3% | 75.7%-6.4pp | 81.9%-12.6pp | 67.9%+1.4pp |
| Annual return | 68.62% | 29.90%+38.7pp | 68.30%+0.3pp | 28.86%+39.8pp |
| Employer contribution / active EE | $1,310 | $3,705-64.7% | $4,859-73.0% | $2,589-49.4% |
| Participant deferral / active EE | $10,393 | $7,093+46.5% | $7,760+33.9% | $4,291+142.2% |
| Admin fee / account holder | $1,958 | $1,267+54.6% | $10,767-81.8% | $1,588+23.3% |