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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 | $21,550 | $157,276-86.3% | $141,177-84.7% | $152,885-85.9% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 26.91% | 64.33%-37.4pp | 71.40%-44.5pp | 345.39%-318.5pp |
| Employer contribution / active EE | $4,147 | $5,262-21.2% | $4,736-12.4% | $4,763-12.9% |
| Participant deferral / active EE | $5,890 | $7,110-17.2% | $6,710-12.2% | $5,851+0.7% |
| Admin fee / account holder | $2,652 | $12,123-78.1% | $10,263-74.2% | $11,598-77.1% |