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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 | $55,902-96.7% | $76,030-97.6% | $80,959-97.7% |
| Participation rate | 59.3% | 62.1%-2.7pp | 69.1%-9.7pp | 67.7%-8.3pp |
| Annual return | 15.81% | 20.59%-4.8pp | 361.54%-345.7pp | 35.67%-19.9pp |
| Employer contribution / active EE | $649 | $1,867-65.2% | $2,688-75.8% | $2,757-76.5% |
| Participant deferral / active EE | $1,179 | $3,051-61.3% | $4,257-72.3% | $4,300-72.6% |
| Admin fee / account holder | $363 | $5,239-93.1% | $6,421-94.4% | $6,925-94.8% |