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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 | $2,545 | $27,800-90.8% | $58,544-95.7% | $71,495-96.4% |
| Participation rate | 51.2% | 34.6%+16.6pp | 50.9%+0.3pp | 67.9%-16.8pp |
| Annual return | 36.05% | 26.80%+9.2pp | 4249.56%-4213.5pp | 28.85%+7.2pp |
| Employer contribution / active EE | $755 | $632+19.5% | $1,053-28.3% | $2,589-70.9% |
| Participant deferral / active EE | $787 | $1,208-34.9% | $1,923-59.1% | $4,291-81.7% |
| Admin fee / account holder | $307 | $1,637-81.2% | $2,520-87.8% | $1,588-80.6% |