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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 | $1,828 | $56,060-96.7% | $76,002-97.6% | $80,874-97.7% |
| Participation rate | 59.3% | 62.0%-2.7pp | 69.1%-9.8pp | 67.6%-8.3pp |
| Annual return | 15.81% | 20.54%-4.7pp | 360.07%-344.3pp | 35.62%-19.8pp |
| Employer contribution / active EE | $649 | $1,873-65.3% | $2,688-75.8% | $2,756-76.4% |
| Participant deferral / active EE | $1,179 | $3,051-61.4% | $4,257-72.3% | $4,297-72.6% |
| Admin fee / account holder | $363 | $5,237-93.1% | $6,414-94.3% | $6,935-94.8% |