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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 | $4,035 | $47,105-91.4% | $68,368-94.1% | $67,986-94.1% |
| Participation rate | 59.2% | 51.8%+7.4pp | 73.8%-14.5pp | 57.2%+2.0pp |
| Annual return | 14.51% | 48.37%-33.9pp | 292.57%-278.1pp | 31.67%-17.2pp |
| Employer contribution / active EE | $0 | $1,859-100.0% | $2,649-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $997 | $2,374-58.0% | $4,123-75.8% | $3,358-70.3% |
| Admin fee / account holder | $790 | $2,435-67.5% | $5,150-84.7% | $3,203-75.3% |