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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 | $11,704 | $56,438-79.3% | $76,872-84.8% | $71,511-83.6% |
| Participation rate | 37.8% | 64.3%-26.5pp | 69.6%-31.8pp | 67.9%-30.2pp |
| Annual return | 30.32% | 19.05%+11.3pp | 37.90%-7.6pp | 28.86%+1.5pp |
| Employer contribution / active EE | $927 | $1,864-50.2% | $2,533-63.4% | $2,589-64.2% |
| Participant deferral / active EE | $1,781 | $3,136-43.2% | $3,832-53.5% | $4,291-58.5% |
| Admin fee / account holder | $2,165 | $1,430+51.3% | $5,476-60.5% | $1,588+36.3% |