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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 | $3,019 | $58,627-94.9% | $76,735-96.1% | $82,448-96.3% |
| Participation rate | 64.6% | 63.2%+1.4pp | 69.5%-4.9pp | 68.1%-3.5pp |
| Annual return | 20.84% | 39.10%-18.3pp | 29.77%-8.9pp | 41.64%-20.8pp |
| Employer contribution / active EE | $539 | $1,729-68.8% | $2,454-78.0% | $2,551-78.9% |
| Participant deferral / active EE | $1,265 | $3,134-59.6% | $4,088-69.0% | $4,139-69.4% |
| Admin fee / account holder | $439 | $5,323-91.8% | $7,189-93.9% | $7,234-93.9% |