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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 | $4,590 | $27,243-83.2% | $52,425-91.2% | $79,634-94.2% |
| Participation rate | 51.6% | 22.4%+29.2pp | 55.6%-4.0pp | 62.5%-10.9pp |
| Annual return | 28.52% | 63.36%-34.8pp | 302.12%-273.6pp | 36.46%-7.9pp |
| Employer contribution / active EE | $641 | $319+100.8% | $914-29.9% | $2,529-74.7% |
| Participant deferral / active EE | $1,023 | $636+61.0% | $1,790-42.8% | $3,835-73.3% |
| Admin fee / account holder | $380 | $2,105-82.0% | $2,495-84.8% | $1,002-62.1% |