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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 | $43,730-90.8% | $66,674-93.9% | $64,097-93.7% |
| Participation rate | 59.2% | 50.7%+8.5pp | 73.7%-14.4pp | 55.2%+4.0pp |
| Annual return | 14.51% | 53.62%-39.1pp | 321.24%-306.7pp | 34.64%-20.1pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $997 | $2,122-53.0% | $4,084-75.6% | $3,080-67.6% |
| Admin fee / account holder | $790 | $2,708-70.8% | $5,098-84.5% | $3,454-77.1% |