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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 | $27,182 | $99,994-72.8% | $146,647-81.5% | $85,851-68.3% |
| Participation rate | 65.9% | 73.1%-7.1pp | 80.1%-14.1pp | 69.3%-3.4pp |
| Annual return | 17.29% | 18.93%-1.6pp | 22.75%-5.5pp | 318.63%-301.3pp |
| Employer contribution / active EE | $1,136 | $2,559-55.6% | $4,137-72.5% | $2,565-55.7% |
| Participant deferral / active EE | $4,117 | $4,006+2.8% | $5,506-25.2% | $3,952+4.2% |
| Admin fee / account holder | $2,579 | $7,703-66.5% | $10,281-74.9% | $6,261-58.8% |