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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 | $21,253 | $79,181-73.2% | $102,423-79.2% | $74,429-71.4% |
| Participation rate | 58.8% | 74.8%-16.0pp | 76.5%-17.7pp | 67.2%-8.4pp |
| Annual return | 16.32% | 54.97%-38.6pp | 29.42%-13.1pp | 1368.38%-1352.1pp |
| Employer contribution / active EE | $1,740 | $2,362-26.3% | $3,023-42.4% | $2,625-33.7% |
| Participant deferral / active EE | $4,489 | $4,416+1.6% | $5,054-11.2% | $4,348+3.2% |
| Admin fee / account holder | $1,481 | $2,002-26.0% | $9,455-84.3% | $1,944-23.8% |