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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 | $10,319 | $46,722-77.9% | $130,660-92.1% | $65,186-84.2% |
| Participation rate | 59.1% | 60.9%-1.8pp | 71.7%-12.7pp | 70.2%-11.1pp |
| Annual return | 29.14% | 24.17%+5.0pp | 1709.29%-1680.2pp | 29.39%-0.2pp |
| Employer contribution / active EE | $0 | $1,488-100.0% | $4,092-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,068 | $2,545-58.0% | $3,603-70.4% | $3,514-69.6% |
| Admin fee / account holder | $514 | $453+13.6% | $5,463-90.6% | $847-39.3% |