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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 | $20,038 | $91,537-78.1% | $130,045-84.6% | $75,173-73.3% |
| Participation rate | 39.7% | 71.5%-31.8pp | 78.5%-38.8pp | 67.2%-27.5pp |
| Annual return | 32.47% | -631.55%+664.0pp | -137.30%+169.8pp | 160.72%-128.2pp |
| Employer contribution / active EE | $1,152 | $2,845-59.5% | $4,321-73.3% | $2,671-56.9% |
| Participant deferral / active EE | $2,777 | $4,343-36.0% | $5,820-52.3% | $4,126-32.7% |
| Admin fee / account holder | $2,152 | $6,780-68.3% | $10,600-79.7% | $5,651-61.9% |