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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 | $4,589 | $55,932-91.8% | $76,735-94.0% | $67,986-93.3% |
| Participation rate | 55.2% | 50.8%+4.4pp | 69.5%-14.3pp | 57.2%-2.0pp |
| Annual return | 27.17% | 23.10%+4.1pp | 29.77%-2.6pp | 31.67%-4.5pp |
| Employer contribution / active EE | $316 | $1,487-78.7% | $2,454-87.1% | $2,019-84.3% |
| Participant deferral / active EE | $1,014 | $2,558-60.3% | $4,088-75.2% | $3,358-69.8% |
| Admin fee / account holder | $625 | $4,907-87.3% | $7,189-91.3% | $3,203-80.5% |