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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 | $14,577 | $92,224-84.2% | $105,223-86.1% | $79,634-81.7% |
| Participation rate | 36.1% | 69.2%-33.1pp | 75.0%-39.0pp | 62.5%-26.4pp |
| Annual return | 26.31% | 88.65%-62.3pp | 180.65%-154.3pp | 36.46%-10.2pp |
| Employer contribution / active EE | $1,094 | $3,965-72.4% | $3,689-70.3% | $2,529-56.7% |
| Participant deferral / active EE | $1,900 | $3,834-50.5% | $5,072-62.5% | $3,835-50.5% |
| Admin fee / account holder | $617 | $1,121-44.9% | $8,859-93.0% | $1,002-38.4% |