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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 | $14,004 | $54,213-74.2% | $93,696-85.1% | $77,736-82.0% |
| Participation rate | 55.4% | 64.0%-8.6pp | 68.7%-13.4pp | 70.6%-15.2pp |
| Annual return | 205.48% | 30.55%+174.9pp | 133.74%+71.7pp | 31.26%+174.2pp |
| Employer contribution / active EE | $640 | $1,168-45.2% | $2,422-73.6% | $2,728-76.5% |
| Participant deferral / active EE | $1,709 | $3,145-45.7% | $4,417-61.3% | $4,651-63.2% |
| Admin fee / account holder | $617 | $575+7.3% | $8,287-92.6% | $433+42.3% |