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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 | $19,185 | $157,304-87.8% | $141,197-86.4% | $152,909-87.5% |
| Participation rate | 45.0% | 84.8%-39.8pp | 82.5%-37.5pp | 82.5%-37.5pp |
| Annual return | 22.55% | 64.34%-41.8pp | 71.41%-48.9pp | 345.46%-322.9pp |
| Employer contribution / active EE | $1,609 | $5,263-69.4% | $4,736-66.0% | $4,764-66.2% |
| Participant deferral / active EE | $2,589 | $7,111-63.6% | $6,710-61.4% | $5,851-55.8% |
| Admin fee / account holder | $1,204 | $12,126-90.1% | $10,265-88.3% | $11,601-89.6% |