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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 | $5,128 | $29,569-82.7% | $56,077-90.9% | $77,714-93.4% |
| Participation rate | 33.1% | 32.6%+0.5pp | 52.5%-19.4pp | 70.6%-37.5pp |
| Annual return | 13.13% | 18.90%-5.8pp | 1709.28%-1696.1pp | 31.26%-18.1pp |
| Employer contribution / active EE | $143 | $569-74.8% | $1,040-86.2% | $2,727-94.8% |
| Participant deferral / active EE | $683 | $1,061-35.6% | $1,954-65.0% | $4,649-85.3% |
| Admin fee / account holder | $550 | $1,042-47.3% | $2,825-80.5% | $433+26.8% |