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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 | $2,599 | $58,627-95.6% | $76,735-96.6% | $82,448-96.8% |
| Participation rate | 65.1% | 63.2%+1.9pp | 69.5%-4.4pp | 68.1%-3.0pp |
| Annual return | 25.37% | 39.10%-13.7pp | 29.77%-4.4pp | 41.64%-16.3pp |
| Employer contribution / active EE | $626 | $1,729-63.8% | $2,454-74.5% | $2,551-75.5% |
| Participant deferral / active EE | $1,405 | $3,134-55.2% | $4,088-65.6% | $4,139-66.1% |
| Admin fee / account holder | $437 | $5,323-91.8% | $7,189-93.9% | $7,234-94.0% |