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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 | $1,788 | $16,790-89.3% | $64,489-97.2% | $67,986-97.4% |
| Participation rate | 69.2% | 62.4%+6.8pp | 67.7%+1.5pp | 57.2%+12.0pp |
| Annual return | 28.41% | 30.55%-2.1pp | 55.03%-26.6pp | 31.67%-3.3pp |
| Employer contribution / active EE | $304 | $648-53.1% | $1,523-80.1% | $2,019-85.0% |
| Participant deferral / active EE | $797 | $1,510-47.2% | $2,778-71.3% | $3,358-76.3% |
| Admin fee / account holder | $325 | $1,690-80.8% | $4,260-92.4% | $3,203-89.9% |