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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 | $4,423 | $64,010-93.1% | $108,359-95.9% | $64,340-93.1% |
| Participation rate | 69.3% | 49.4%+20.0pp | 70.1%-0.8pp | 55.2%+14.1pp |
| Annual return | 24.91% | 19.74%+5.2pp | 36.89%-12.0pp | 24.14%+0.8pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,714 | $2,395-28.4% | $4,137-58.6% | $2,980-42.5% |
| Admin fee / account holder | $637 | $4,885-87.0% | $9,741-93.5% | $3,703-82.8% |