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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 | $30,828 | $94,436-67.4% | $115,599-73.3% | $82,637-62.7% |
| Participation rate | 63.5% | 70.4%-6.9pp | 74.3%-10.8pp | 68.1%-4.5pp |
| Annual return | 15.67% | 18.37%-2.7pp | 111.10%-95.4pp | 53.51%-37.8pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,798 | $3,955-54.5% | $4,889-63.2% | $4,126-56.4% |
| Admin fee / account holder | $6,776 | $10,328-34.4% | $12,841-47.2% | $7,339-7.7% |