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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 | $25,416 | $88,203-71.2% | $165,100-84.6% | $74,478-65.9% |
| Participation rate | 47.2% | 73.1%-25.9pp | 78.6%-31.4pp | 67.2%-20.0pp |
| Annual return | 22.61% | 17.13%+5.5pp | 70.21%-47.6pp | 1370.56%-1348.0pp |
| Employer contribution / active EE | $1,353 | $2,601-48.0% | $4,348-68.9% | $2,626-48.5% |
| Participant deferral / active EE | $2,250 | $4,505-50.0% | $6,035-62.7% | $4,350-48.3% |
| Admin fee / account holder | $684 | $2,235-69.4% | $12,696-94.6% | $1,946-64.8% |