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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 | $16,748 | $77,569-78.4% | $115,599-85.5% | $64,097-73.9% |
| Participation rate | 59.8% | 60.7%-0.8pp | 74.3%-14.5pp | 55.2%+4.6pp |
| Annual return | 30.93% | 18.52%+12.4pp | 111.10%-80.2pp | 34.64%-3.7pp |
| Employer contribution / active EE | $2,527 | $1,915+32.0% | $2,955-14.5% | $1,891+33.6% |
| Participant deferral / active EE | $3,005 | $3,327-9.7% | $4,889-38.5% | $3,080-2.4% |
| Admin fee / account holder | $5,147 | $4,470+15.2% | $12,841-59.9% | $3,454+49.0% |