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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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,570 | $78,707-63.7% | $117,861-75.8% | $70,126-59.3% |
| Participation rate | 21.4% | 73.2%-51.8pp | 79.7%-58.2pp | 69.5%-48.1pp |
| Annual return | 18.67% | 23.30%-4.6pp | 335.11%-316.4pp | 73.15%-54.5pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,662 | $3,297-49.6% | $4,482-62.9% | $3,332-50.1% |
| Admin fee / account holder | $366 | $5,066-92.8% | $8,021-95.4% | $4,645-92.1% |