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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 | $7,543 | $81,487-90.7% | $102,412-92.6% | $80,935-90.7% |
| Participation rate | 67.2% | 66.8%+0.4pp | 74.5%-7.3pp | 67.7%-0.4pp |
| Annual return | 13.63% | 25.60%-12.0pp | 24.94%-11.3pp | 35.66%-22.0pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,648 | $3,871-31.6% | $5,060-47.7% | $4,299-38.4% |
| Admin fee / account holder | $487 | $6,717-92.8% | $8,388-94.2% | $6,924-93.0% |