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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 | $2,412 | $28,167-91.4% | $73,658-96.7% | $64,728-96.3% |
| Participation rate | 51.8% | 21.1%+30.8pp | 57.0%-5.2pp | 57.9%-6.1pp |
| Annual return | 51.57% | 139.75%-88.2pp | 29.72%+21.8pp | 49.38%+2.2pp |
| Employer contribution / active EE | $536 | $373+43.8% | $1,032-48.1% | $2,243-76.1% |
| Participant deferral / active EE | $816 | $597+36.6% | $2,062-60.4% | $2,729-70.1% |
| Admin fee / account holder | $305 | $1,791-83.0% | $3,357-90.9% | $1,145-73.4% |