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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 | $5,088 | $38,967-86.9% | $86,233-94.1% | $79,634-93.6% |
| Participation rate | 39.7% | 34.1%+5.6pp | 69.0%-29.3pp | 62.5%-22.8pp |
| Annual return | 25.85% | 49.90%-24.1pp | 61.39%-35.5pp | 36.46%-10.6pp |
| Employer contribution / active EE | $658 | $868-24.3% | $2,504-73.7% | $2,529-74.0% |
| Participant deferral / active EE | $1,042 | $1,663-37.3% | $4,559-77.1% | $3,835-72.8% |
| Admin fee / account holder | $327 | $2,660-87.7% | $8,342-96.1% | $1,002-67.4% |