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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 | $1,663 | $55,930-97.0% | $76,089-97.8% | $80,925-97.9% |
| Participation rate | 50.0% | 62.1%-12.1pp | 69.1%-19.1pp | 67.7%-17.7pp |
| Annual return | 15.14% | 20.58%-5.4pp | 360.94%-345.8pp | 35.65%-20.5pp |
| Employer contribution / active EE | $699 | $1,866-62.5% | $2,690-74.0% | $2,756-74.6% |
| Participant deferral / active EE | $1,304 | $3,051-57.2% | $4,259-69.4% | $4,299-69.7% |
| Admin fee / account holder | $495 | $5,241-90.6% | $6,418-92.3% | $6,940-92.9% |