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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 | $28,804 | $79,209-63.6% | $102,434-71.9% | $74,459-61.3% |
| Participation rate | 48.7% | 74.8%-26.1pp | 76.5%-27.8pp | 67.2%-18.6pp |
| Annual return | 17.99% | 54.98%-37.0pp | 29.46%-11.5pp | 1369.70%-1351.7pp |
| Employer contribution / active EE | $1,373 | $2,362-41.9% | $3,023-54.6% | $2,626-47.7% |
| Participant deferral / active EE | $2,649 | $4,417-40.0% | $5,055-47.6% | $4,350-39.1% |
| Admin fee / account holder | $2,888 | $2,002+44.3% | $9,462-69.5% | $1,945+48.5% |