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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 | $28,599 | $88,087-67.5% | $164,866-82.7% | $74,546-61.6% |
| Participation rate | 37.3% | 73.1%-35.8pp | 78.6%-41.3pp | 67.2%-29.9pp |
| Annual return | 29.63% | 17.27%+12.4pp | 69.97%-40.3pp | 1366.03%-1336.4pp |
| Employer contribution / active EE | $1,522 | $2,595-41.4% | $4,343-65.0% | $2,624-42.0% |
| Participant deferral / active EE | $2,862 | $4,499-36.4% | $6,033-52.6% | $4,347-34.2% |
| Admin fee / account holder | $1,405 | $2,232-37.0% | $12,689-88.9% | $1,944-27.7% |