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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 | $17,911 | $83,369-78.5% | $105,223-83.0% | $67,986-73.7% |
| Participation rate | 59.5% | 56.3%+3.2pp | 75.0%-15.5pp | 57.2%+2.3pp |
| Annual return | 24.11% | 24.64%-0.5pp | 180.65%-156.5pp | 31.67%-7.6pp |
| Employer contribution / active EE | $1,628 | $2,541-35.9% | $3,689-55.9% | $2,019-19.4% |
| Participant deferral / active EE | $2,669 | $3,295-19.0% | $5,072-47.4% | $3,358-20.5% |
| Admin fee / account holder | $1,486 | $4,073-63.5% | $8,859-83.2% | $3,203-53.6% |