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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 | $8,465 | $92,224-90.8% | $105,223-92.0% | $79,634-89.4% |
| Participation rate | 68.2% | 69.2%-0.9pp | 75.0%-6.8pp | 62.5%+5.7pp |
| Annual return | 81.14% | 88.65%-7.5pp | 180.65%-99.5pp | 36.46%+44.7pp |
| Employer contribution / active EE | $1,427 | $3,965-64.0% | $3,689-61.3% | $2,529-43.6% |
| Participant deferral / active EE | $2,193 | $3,834-42.8% | $5,072-56.8% | $3,835-42.8% |
| Admin fee / account holder | $1,229 | $1,121+9.7% | $8,859-86.1% | $1,002+22.7% |