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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 | $21,505 | $77,670-72.3% | $109,163-80.3% | $79,393-72.9% |
| Participation rate | 56.1% | 67.8%-11.7pp | 75.9%-19.8pp | 70.7%-14.6pp |
| Annual return | 53.83% | 23.44%+30.4pp | 25.75%+28.1pp | 116.87%-63.0pp |
| Employer contribution / active EE | $1,769 | $2,798-36.8% | $3,723-52.5% | $2,428-27.1% |
| Participant deferral / active EE | $3,686 | $3,518+4.8% | $4,654-20.8% | $4,046-8.9% |
| Admin fee / account holder | $1,550 | $732+111.7% | $6,754-77.0% | $627+147.5% |