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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 | $11,580 | $47,163-75.4% | $149,696-92.3% | $74,460-84.4% |
| Participation rate | 29.1% | 63.4%-34.4pp | 78.8%-49.7pp | 70.7%-41.7pp |
| Annual return | 30.54% | 22.75%+7.8pp | 134.46%-103.9pp | 34.38%-3.8pp |
| Employer contribution / active EE | $772 | $1,907-59.5% | $4,821-84.0% | $2,638-70.7% |
| Participant deferral / active EE | $1,723 | $2,730-36.9% | $5,682-69.7% | $4,530-62.0% |
| Admin fee / account holder | $623 | $343+81.6% | $13,212-95.3% | $348+79.1% |