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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 | $17,141 | $62,166-72.4% | $81,353-78.9% | $74,459-77.0% |
| Participation rate | 65.0% | 64.1%+1.0pp | 69.5%-4.5pp | 67.2%-2.2pp |
| Annual return | 13.80% | 16.50%-2.7pp | 24.82%-11.0pp | 1369.70%-1355.9pp |
| Employer contribution / active EE | $1,050 | $1,881-44.2% | $2,464-57.4% | $2,626-60.0% |
| Participant deferral / active EE | $2,526 | $3,223-21.6% | $3,885-35.0% | $4,350-41.9% |
| Admin fee / account holder | $1,423 | $1,925-26.1% | $5,766-75.3% | $1,945-26.8% |