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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 | $23,708 | $80,763-70.6% | $102,412-76.9% | $74,459-68.2% |
| Participation rate | 47.0% | 65.7%-18.7pp | 74.5%-27.5pp | 67.2%-20.3pp |
| Annual return | 21.51% | 27.57%-6.1pp | 24.94%-3.4pp | 1369.70%-1348.2pp |
| Employer contribution / active EE | $1,862 | $3,160-41.1% | $3,870-51.9% | $2,626-29.1% |
| Participant deferral / active EE | $3,717 | $3,862-3.8% | $5,060-26.6% | $4,350-14.6% |
| Admin fee / account holder | $3,002 | $2,371+26.6% | $8,388-64.2% | $1,945+54.4% |