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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 | $15,018 | $69,774-78.5% | $67,575-77.8% | $74,459-79.8% |
| Participation rate | 42.8% | 71.4%-28.6pp | 72.9%-30.1pp | 67.2%-24.4pp |
| Annual return | 20.73% | -40.53%+61.3pp | 3528.98%-3508.2pp | 1369.70%-1349.0pp |
| Employer contribution / active EE | $773 | $2,710-71.5% | $2,736-71.7% | $2,626-70.6% |
| Participant deferral / active EE | $1,630 | $3,636-55.2% | $4,003-59.3% | $4,350-62.5% |
| Admin fee / account holder | $1,534 | $890+72.4% | $3,993-61.6% | $1,945-21.1% |